# EDGAR Filing Document

**Accession Number:** 0001904148
**File Stem:** 0001839882-23-003311
**Filing Date:** 2023-2
**Character Count:** 959539
**Document Hash:** a388dbbeb8b4ed7f83876317d334d949
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-003311.hdr.sgml**: 20230208

**ACCESSION NUMBER**: 0001839882-23-003311

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

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20230208

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

**FILED AS OF DATE**: 20230208

**DATE AS OF CHANGE**: 20230208

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Change Depositor, LLC
- **CENTRAL INDEX KEY:** 0001904148
- **IRS NUMBER:** 000000000

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05964
- **FILM NUMBER:** 23599965

**BUSINESS ADDRESS:**
- **STREET 1:** 16845 VON KARMAN AVENUE
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92606
- **BUSINESS PHONE:** 714-357-7432

**MAIL ADDRESS:**
- **STREET 1:** 16845 VON KARMAN AVENUE
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92606
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Change Depositor, LLC
- **CENTRAL INDEX KEY:** 0001904148
- **IRS NUMBER:** 000000000

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

**BUSINESS ADDRESS:**
- **STREET 1:** 16845 VON KARMAN AVENUE
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92606
- **BUSINESS PHONE:** 714-357-7432

**MAIL ADDRESS:**
- **STREET 1:** 16845 VON KARMAN AVENUE
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92606
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Change Depositor, LLC
- **CENTRAL INDEX KEY:** 0001904148
- **IRS NUMBER:** 000000000

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05964

**BUSINESS ADDRESS:**
- **STREET 1:** 16845 VON KARMAN AVENUE
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92606
- **BUSINESS PHONE:** 714-357-7432

**MAIL ADDRESS:**
- **STREET 1:** 16845 VON KARMAN AVENUE
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92606

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G**

<br> **ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of earliest event reported): _____________ <br> Commission File Number of securitizer: _____________ <br> 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)(1) ☐

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

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

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

Central Index Key Number of depositor: <u>0001904148</u>

**Change Depositor, LLC**

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

Central Index Key Number of issuing entity: N/A

Alan Lindeke, (714) 357 7432

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

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

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

---

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

**SIGNATURES**

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

Dated: February 8, 2023

---

| | |
|:---|:---|
| Change Depositor, LLC | Change Depositor, LLC |
| (Depositor) | (Depositor) |
| By: | /s/ Thedora Nickel |
|  | Name: Thedora Nickel |
|  | Title: Executive Director |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex99-1.htm) - Consolidated Analytics Narrative

[99.2](ex99-2.htm) - Consolidated Analytics Due Diligence Standard Report

[99.3](ex99-3.htm) - Consolidated Analytics Grading Summary Report

[99.4](ex99-4.htm) - Consolidated Analytics Valuations Summary Report

[99.5](ex99-5.htm) - Consolidated Analytics Data Compare Report

[99.6](ex99-6.htm) - Canopy Narrative

[99.7](ex99-7.htm) - Canopy Rating Agency Grades Detail Report

[99.8](ex99-8.htm) - Canopy Rating Agency Grades Summary Report

[99.9](ex99-9.htm) - Canopy Valuations Report

[99.10](ex99-10.htm) - Canopy Data Compare Report

## Exhibit 99.1

[CHNGE 2022-5 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.1**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Change Lending, LLC. The review included a total of 154 newly originated residential mortgage loans, in connection with the securitization identified as CHNGE 2023-1 (the "Securitization"). The Review was conducted from February 2022 through February 2023 on mortgage loans originated between January 2022 and January 2023.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM
or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess
the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
through third party resource of the subject properties most recent twelve (12) month sales history

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

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed to validate use of cash out proceeds. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to respective laws and regulations as outlined below. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active and properly
disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

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

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

**Valuation Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

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

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below. In the event
the CU score was greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, CDA's were ordered on loans that had an acceptable CU score based on guidance from the seller.

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

For loans reviewed in a post-close valuation review scenario (154 loans in total):

Six (6) loans had a Secondary Appraisal, zero (0) loans had AVMs, and one-hundred and fifty-four (154) loans had Desktop Reviews.

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

Zero (0) loans had a Field Review or BPO, five (5) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one-hundred and fifty-four (154) mortgage loans reviewed, forty-one (41) unique mortgage loans (26.62% by loan count) had a total of forty-eight (48) discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;21 | &nbsp;&nbsp;43.75% |
| &nbsp;&nbsp;UW FICO Utilized | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.58% |
| &nbsp;&nbsp;Original Collateral Value Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.58% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Original Collateral Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**48** | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;146 | &nbsp;&nbsp;$77692960.00 | &nbsp;&nbsp;94.81% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;8 | &nbsp;&nbsp;$3542299.00 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;154 | &nbsp;&nbsp;$81235259.00 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;152 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;154 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;150 | &nbsp;&nbsp;97.40% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.60% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;154 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;152 | &nbsp;&nbsp;98.70% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;154 | &nbsp;&nbsp;100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;138 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Occupancy Status | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient cash to close. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fully Executed Purchase Contract is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fully Executed Purchase Contract is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***151*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;129 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;12 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Security Instrument Indicator is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Post-Consummation Reason for Redisclosure Validation Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Escrow Account Disclosure is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Post-Consummation Event Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Closing Disclosure Date and Funding Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Originator NMLS is Not Active | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Security Instrument Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Required Escrow Account Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Documentation Type Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Revised Closing Disclosure Waiting Period Required Finding | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Right to Cancel is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference Right to Choose Attorney disclosure was not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***188*** |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;146 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Valuation Grade (A) Exceptions:*** | &nbsp;&nbsp;***147*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Valuation Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |

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**Event Grade Definitions**

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| | |
|:---|:---|
| &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. |

---

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| | |
|:---|:---|
| &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. |

---

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

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## Exhibit 99.2

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.2**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Upload Month** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 100003292 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 2/7/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003292 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 2/7/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003296 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 2/15/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003296 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 2/15/2022 | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per Disclosure Tracking Summary Initial Closing Disclosure XX/XX/XXXX missing from file. |  |  | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 2/21/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003293 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/09/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML Compliant with escrow and appraisal requirements | 02/03/2023 |  | 02/03/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003293 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/11/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 02/11/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003293 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/03/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/22/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003295 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/09/2022 | Cleared | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). |  |  | This loan passed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) exceeds or equals the comparable sum of specific and non-specific lender credits ($0.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 02/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003295 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/09/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML Compliant with escrow and appraisal requirements | 02/03/2023 | HPML Compliant with escrow and appraisal requirements | 02/03/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003295 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/09/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  |  | 02/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003294 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/3/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003294 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/3/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003297 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/26/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003297 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/26/2022 | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. Guideline per XXX Credit Score | Acknowledged by Client |  | XX/XX/XXXX Received approved exception to allow 6 months reserves vs the required 9 months reserves per program guidelines. Compensating factors: minimal credit usage. All revolving account balances are less than 25 % of high limit. Qualifying FICO is XXX points higher than program minimum of XXX | 09/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003300 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003300 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003300 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 06/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003298 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/15/2022 | Cleared | Credit | Insufficient cash to close. |  |  |  | Sufficient cash to close is documented. | 06/16/2022 | C A |
| 100003298 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/16/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | C A |
| 100003298 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/15/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 06/15/2022 | C A |
| 100003298 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/15/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 06/15/2022 | C A |
| 100003299 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan |  | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> HPML; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003299 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 06/17/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003299 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 06/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 06/17/2022 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003301 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/01/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Informational; Escrows and appraisal requirements met; HPML loan with establish escrow & appraisal received. Downgrade to B. | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant; | 02/03/2023 | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003301 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 07/05/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003301 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/05/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003302 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of xxx, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.180%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (5.180%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (5.180%) by 3.5% or more.; HPML Informational; Escrows and appraisal requirements met | HPML allowed per guidelines, confirmed compliant; HPML allowed per guidelines, confirmed compliant; | 02/03/2023 |  | 02/03/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of xxx is Greater than the Guideline Minimum of xxx. ; Borrower has more than 2 years at current residence - Borrower at current residence xxx years A |
| 100003302 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/08/2023 | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Client acknowledges liquid reserves of XXX months are less than than the Guidelines minimum required of XXX based on the compensating factors of ;<br> 1.Qualifying FICO is XXX points higher than minimum program FICO of XXX. 2.Low credit usage ratio of twenty-five percent (25%) or less. Exception Acknowledged. ; | 02/08/2023 |  | 02/08/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of xxx is Greater than the Guideline Minimum of xxx. ; Borrower has more than 2 years at current residence - Borrower at current residence xxx years A |
| 100003302 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/08/2022 | Active | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of xxx is Greater than the Guideline Minimum of xxx. ; Borrower has more than 2 years at current residence - Borrower at current residence xxx years A |
| 100003303 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/08/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Informational: escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | HPML allowed per guidelines, confirmed compliant;<br> ; HPML allowed per guidelines, confirmed compliant;<br> ; HPML Loan with established escrows and appraisal provided. | 02/03/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003303 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/11/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 07/11/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003303 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/11/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 07/11/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003304 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/23/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 09/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003304 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003304 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/23/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003305 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/08/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 09/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003305 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/08/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003305 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/08/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003306 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/09/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | HPML with established escrows and met appraisal requirements.;Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 09/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003306 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/09/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003306 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/09/2022 | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(XXX CFR §XXX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(X) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f)(X)(i) no later than three business days before consummation. |  |  | Change status of 'Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test' from Cleared to Rescind.;<br> Updated index.; This compliance test 'Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test' is no longer tested | 09/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003306 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/09/2022 | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | Change status of 'TRID Monitor Timing of Disclosures Finding' from Cleared to Rescind.;<br> Updated index.; This compliance test 'TRID Monitor Timing of Disclosures Finding' is no longer tested | 09/14/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003306 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/09/2022 | Cleared | Compliance | Initial Escrow Account Disclosure is Missing | Please provide IEAD for review.; The initial escrow account disclosure is Missing | Client provided trailing document |  | The initial escrow account disclosure is Present | 09/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003307 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/19/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 09/20/2022 | HPML allowed per guidelines, confirmed compliant | 09/20/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003307 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003307 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 09/19/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003308 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/26/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | HPML Loan with established escrows and appraisal requirements met. ; Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 09/27/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003308 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/26/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003308 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/26/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003309 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/12/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003309 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/12/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 09/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003310 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 09/22/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003310 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003311 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003311 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 09/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003312 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |
| 100003312 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A |
| 100003313 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/20/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 09/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003313 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/20/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003313 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/20/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Co-Borrower's final XXXX states marital status as Married, however LOX in file from Co-Borrower states separting from life spouse and they are not legally married. | Client provided trailing document |  | Final Loan Applicationwith confirmed marital status provided | 09/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003313 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/20/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003315 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/03/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/04/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003315 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/03/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003315 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/03/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003290 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; HPML with established escrows and met Appraisal requirements. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/31/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003290 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003290 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003314 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/31/2022 | C A |
| 100003314 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | C A |
| 100003314 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | C A |
| 100003316 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/04/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML allowed per guidelines, confirmed compliant | 10/05/2022 | HPML allowed per guidelines, confirmed compliant | 10/05/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003316 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/04/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003316 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/04/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003317 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/10/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 10/11/2022 | HPML allowed per guidelines, confirmed compliant | 10/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003317 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/11/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003317 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/11/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/11/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003318 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/06/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003318 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003318 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003319 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 10/18/2022 | HPML allowed per guidelines, confirmed compliant | 10/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003319 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 10/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003319 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003320 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | HPML with established escrows and met appraisal requirements.; Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/10/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003320 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003320 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003321 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML allowed per guidelines, confirmed compliant | 10/06/2022 | HPML allowed per guidelines, confirmed compliant | 10/06/2022 | C A |
| 100003321 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | C A |
| 100003321 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/05/2022 | C A |
| 100003322 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 10/31/2022 | HPML allowed per guidelines, confirmed compliant | 10/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003322 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003322 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial- Subject transaction is primary purchase; HOI indicates rental property | Received updated Hazard Insurance, reflecting sufficient insurance coverage, no fair rental coverage, and mailing address matches subject . (Please note the fair rental value is reflected on Endorsement D as an option, borrower dit not purchase. | 12/28/2022 | Hazard insurance indicator is Present. Exception Resolved. | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003322 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/27/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | Received updated policy reflect coverage amount XXX with XXX Extended Replacement Cost Coverage and an additional XXX Buidling upgrade coverage. | 12/28/2022 | Hazard insurance coverage is XXX the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX | 12/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003323 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML allowed per guidelines, confirmed compliant | 10/06/2022 | HPML allowed per guidelines, confirmed compliant | 10/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003323 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003323 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/05/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003324 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 10/06/2022 | HPML allowed per guidelines, confirmed compliant | 10/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003324 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003324 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003325 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrows and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 10/18/2022 | HPML allowed per guidelines, confirmed compliant | 10/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003325 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/18/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 10/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003325 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/18/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003326 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal received | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003326 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003326 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003327 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 10/24/2022 | HPML allowed per guidelines, confirmed compliant | 10/26/2022 | C B A |
| 100003327 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; There's no valid reason in the loan file for the addition to the Xnd appraisal issued on the revised CD issued XX/XX/XXXX and the invoice issued XX/X/XXXX is not within X business days of the CD. Therefore, the loan failed the tolerance by $XXX. Please provide a PCCD, proof of refund, proof of delivery and Letter of explanation to clear the exception. | PCCD, LOE, copy of check and proof of delivery provided. | 11/04/2022 |  | 11/04/2022 | C B A |
| 100003327 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 10/21/2022 | C B A |
| 100003327 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/21/2022 | C B A |
| 100003327 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | PCCD, LOE, copy of check and proof of delivery provided. |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 10/26/2022 | C B A |
| 100003327 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | PCCD, LOE, copy of check and proof of delivery provided. |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 10/26/2022 | C B A |
| 100003328 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | HPML with established escrow and met appraisal requirements<br> ; Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/24/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003328 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003328 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003329 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is not a higher-priced mortgage loan due one of the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, but the APR does not exceed the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac, but the APR does not exceed the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien, but the APR does not exceed the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/13/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003329 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003329 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003329 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o)(X))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. |  |  | This loan passed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXX The disclosed finance charge of XXX is considered accurate because:It is understated by no more than $XXX is greater than the amount required to be disclosed. | 10/20/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003330 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/13/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003330 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003330 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/12/2022 | Cleared | Property | Origination Appraisal is Partial | Origination Appraisal is Partial.; Original Appraisal is missing the subject property pictures along with Comps XXX. Please provide. |  |  | Full appraisal provided in trailing docs; exception cleared. ; Origination appraisal is Present. | 10/19/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003332 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/24/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and appraial requirements met. ; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/24/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003332 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/24/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003332 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/24/2022 | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial, the notary page is incomplete. |  |  | Client provided trailing document; signed and notarized DOT. ; The security instrument indicator is Present; Client provided trailing document | 10/25/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 100003334 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/19/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/19/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003334 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003334 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Tolerance violation due to an increase in transfer taxes from $XXX to $XXX without a valid COC in file. Provide a COC or proof of reimbursement to the borrower, LOE, post close CD and proof of delivery |  | 11/18/2022 | PCCD, Proof of delivery, LOE and copy of check provided. Exception Resolved | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 11/01/2022 | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/29/2022 | Cleared | Compliance | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference Right to Choose Attorney disclosure was not provided | O.C.G.A. § X-Xa-X(XX)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided. |  | 11/03/2022 | Attorney Preference, Right to Choose Attorney disclosure was provided. Exception Resolved. | 11/03/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/01/2022 | Cleared | Compliance | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XXX CFR §XXX(e)(X)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to §XXX(e)(X)(i) (revised loan estimate disclosure) and §XXX(e)(X)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXX(e)(X)(ii)Relationship to disclosures required under §XXX(f)(X)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXX(e)(X)(iv) for the purpose of determining good faith under § XXX(e)(X)(i) and (ii), § XXX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f)(X)(i) (including any corrected disclosures provided under § XXX(f)(X)(i) or (ii)). |  | 11/01/2022 | This compliance test 'Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested | 11/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/09/2022 | Cleared | Compliance | TRID Post-Consummation Reason for Redisclosure Validation Test | This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XXX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; Tolerance violation due to an increase in transfer taxes from $XXX to $XXX without a valid COC in file. Provide a COC or proof of reimbursement to the borrower, LOE, post close CD and proof of delivery |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003335 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/31/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 10/31/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 100003336 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 10/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003336 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003336 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003284 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loaan with established escrow and appraisal received; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003284 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003284 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003285 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and met appraisal requirement. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003285 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003285 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003286 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003286 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | TRID Post-Consummation Reason for Redisclosure Validation Test | This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested | 11/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003286 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Mortgage Recording Fee increased from $XXX to $XXX, no COC in file or proof refund was issued; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 11/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003286 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Reimbursement Amount Test | Mortgage Recording Fee increased from $XXX to $XXX, no COC in file or proof refund was issued; This loan failed the reimbursement amount test. (XXX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This compliance test 'Reimbursement Amount Test' is no longer tested | 11/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003286 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Charges That In Total Cannot Increase More Than 10% Test | Mortgage Recording Fee increased from $XXX to $XXX, no COC in file or proof refund was issued; This loan failed the charges that in total cannot increase more than XX% test. (XXX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% XXX do not exceed the comparable charges XXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 11/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003286 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Credit | Title Policy is Partial | Title policy is Partial. Preliminary Title Report is missing Lender's Title Policy Amount and vesting. | Client provided Trailing documents | 11/8/2022 | Title policy is Present | 11/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003287 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003287 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Compliance | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  | The loan is in compliance with all applicable laws and regulations. | 11/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003287 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared. |  |  |  | 11/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003287 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Property | No Property Findings | The exception 'No Property Findings' is cleared.; Property and valuations related findings were not identified on the loan. |  |  |  | 11/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003288 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal received | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003288 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003288 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR Risk: Non-QM Lender did not document all ATR UW factors | Closed | 11/17/2022 | Cleared | Credit | Occupancy Status | The Occupancy Cert in loan file is incomplete, as the borrower did not select a occupancy status for the subject property.; The intent and/or status of the borrower's occupancy is not supported in the file. |  |  | Occupancy is supported by documentation provided in the loan file. | 11/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003289 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003289 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003289 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003291 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003291 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003291 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003331 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 11/08/2022 | HPML allowed per guidelines, confirmed compliant | 11/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003331 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/07/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003331 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/07/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003333 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/08/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/08/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003333 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/08/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003333 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/08/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003337 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established esrows and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 11/14/2022 | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003337 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2022 | Cleared | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XX% test. (XXX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).; Final CD XX/XX/XXXX Mortgage Recording fee increase to $XXX, LE disclosed at $XXX. Recording fee is the only fee in the XX% tolerance category and increased more than XX% without a COC. No tolerance cure provided for increase in recording fees |  | 12/06/2022 | This loan passed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% XXX do not exceed the comparable charges XXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003337 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/11/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003337 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/11/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/11/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days. | HPML allowed per guidelines, confirmed compliant | 11/03/2022 | HPML allowed per guidelines, confirmed compliant | 11/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XX% test. (XXX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).; The tolerance failed because there was no valid reason for the Title Lender Policy to increase on the initial CD issued XX/XX/XXXX. The cost to cure requirement is $XXX. The Appraisal reflected PUD dated X/XX/XXXX. Please provide PCCD, LOE, proof of refund and delivery to clear exception. | Change status of 'Charges That In Total Cannot Increase More Than 10% Test' from Active to Cured Post Close.;<br> PCCD, LOE, copy of check and proof of delivery provided to confirm cure | 11/16/2022 |  | 11/16/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. The Borrower signed/dated XX/XX/XXXX page XX of the Mortgage prior to the mortgage date XX/XX/XXXX, but signed/dated XXX XX/XX/XXXX. | Change status of 'Security Instrument Indicator is Partial' from Active to Open Rebuttal.;<br> Received the corrected DOT with corrected signature dates that will be re-submitted for recording. | 11/23/2022 | The security instrument indicator is Present. Exception Resolved. | 11/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | TRID Post-Consummation Reason for Redisclosure Validation Test |  |  |  | This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested | 11/03/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/03/2022 | Cleared | Compliance | TRID Post-Consummation Event Validation Test | This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. |  |  | This compliance test 'TRID Post-Consummation Event Validation Test' is no longer tested | 11/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003338 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/02/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XXX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 11/10/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003339 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/15/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003339 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/15/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003339 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/15/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003340 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/09/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/29/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003340 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/09/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003340 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/09/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003341 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003341 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003341 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003342 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003342 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003342 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003343 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003343 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003343 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003344 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 12/05/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003344 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Lender to provide report reflecting the borrower's last name as reflected on initial XXX and and later updated to last name matching the spouse. This to include XXX, XXX Additional conditions may apply.; Trailing docs - Fraud report - clear of alerts for identity provided by client. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.;<br> Trailing docs - Fraud report - clear of alerts for identity provided by client. | 12/12/2022 | Alerts from Fraud Report have been cleared; client provided clear fraud report in trailing docs; Trailing docs - Fraud report - clear of alerts for identity provided by client. | 12/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003344 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. ; Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | 11/28/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003345 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003345 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003345 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003346 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/23/2022 | D A C |
| 100003346 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared. |  |  |  |  | D A C |
| 100003346 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A C |
| 100003346 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Compliance | Initial Escrow Account Disclosure is Missing | The initial escrow account disclosure is Missing |  |  | The initial escrow account disclosure is Present. Exception Resolved. | 11/28/2022 | D A C |
| 100003347 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/21/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 11/22/2022 | HPML allowed per guidelines, confirmed compliant | 11/22/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003347 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003347 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003348 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/18/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003348 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003348 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003349 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal received | HPML allowed per guidelines, confirmed compliant | 11/23/2022 | HPML allowed per guidelines, confirmed compliant | 11/23/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003349 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003349 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003350 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/23/2022 | Cleared | Compliance | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003350 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003350 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/23/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003351 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 11/29/2022 | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003351 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003351 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003351 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; XX/X/XXXX-coc received from trailing docs/cleared exception. ; Zero tolerance exception of $XXX due to increase in:<br> Discount Points Fee of $XXX<br> Broker Fee of $XXX<br> COC in the file does not contain a date, so unable to confirm if change was re-disclosed within X days. |  | 12/06/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested. | 12/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003351 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; XX/X/XXXX-coc received from trailing docs/cleared exception. ; Zero tolerance exception of $XXX due to increase in:<br> Discount Points Fee of $XXX<br> Broker Fee of $XXX<br> COC in the file does not contain a date, so unable to confirm if change was re-disclosed within X days.<br>Please provide a valid COC or Post Close CD with copy of refund check, LOX and proof of delivery to the borrower. |  | 12/06/2022 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 12/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003351 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/28/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XXX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/X/XXXX-coc received from trailing docs/cleared exception. ; Zero tolerance exception of $XXX due to increase in:<br> Discount Points Fee of $XXX<br> Broker Fee of $XXX<br> COC in the file does not contain a date, so unable to confirm if change was re-disclosed within X days. |  | 12/06/2022 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 12/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003352 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003352 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003352 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003353 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/01/2022 | C A |
| 100003353 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | C A |
| 100003353 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | C A |
| 100003355 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003355 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003355 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/18/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003357 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirement met. | HPML allowed per guidelines, confirmed compliant | 11/23/2022 | HPML allowed per guidelines, confirmed compliant | 11/23/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003357 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003357 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003358 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrows met appraisal requirements | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003358 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003358 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003361 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/02/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003361 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003361 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003366 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003366 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003366 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003375 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 11/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003375 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003375 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003354 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003354 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003354 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003356 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal received | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003356 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003356 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003359 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | HPML allowed per guidelines, confirmed compliant | 12/14/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003359 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/05/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003359 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/05/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003359 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(XXX CFR §XXX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(X) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f)(X)(i) no later than three business days before consummation.; The ARM type changed from X year/X month ARM to a X year/X month with Interest Only which requires a new X day waiting period |  | 12/13/2022 | This loan passed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. | 12/14/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003359 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Revised Closing Disclosure Waiting Period Required Finding | Revised Closing Disclosure Waiting Period Required Finding (XXX CFR §XXX(f)(X)(ii))The loan requires a new waiting period due to one of the following findings:The loan's APR has become inaccurate; orThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has changed or the features (negative amortization, interest only, or a balloon payment) on the loan have changed; orA prepayment penalty was added.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(X) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.; The ARM type changed from X year/X month ARM to a X year/X month with Interest Only which requires a new X day waiting period. In addition, the APR increased from XXX% on the CD dated XX/XX/XX to XXX% on the CD dated XX/XX/XX |  | 12/13/2022 | Revised Closing Disclosure Waiting Period Required Finding (12 CFR §1026.19(f)(2)(ii))The loan does not require a new waiting period due to all of the following findings:The loan's APR has not become inaccurate, andThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has not changed and the features (negative amortization, interest only, or a balloon payment) have not changed; andA prepayment penalty was not added.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate. | 12/14/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003360 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003360 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003360 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003362 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003362 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003362 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Compliance | Right to Cancel is Partial | The right to cancel is Partial. Document is missing the Borrower signature for acknowledgement of receipt. | Change status of 'Right to Cancel is Partial' from Active to Open Rebuttal.;<br> Rcvd Notice of Right to Cancel signed at closing. | 12/12/2022 | The right to cancel is Present. Exception Resolved. | 12/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003363 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003363 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/05/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003363 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/05/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003364 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Compliance | Originator NMLS is Not Active | The originator NMLS status is Not Active. NMLS reflects the Broker licence number listed expired in XXXX. Provide evidence broker has an active license in Florida. | Change status of 'Originator NMLS is Not Active' from Active to Open Rebuttal.;<br> Rcvd rebuttal email with NMLS reflect the LO is Active in Florida and was at time of origination and closing. | 12/12/2022 | The originator NMLS status is Active. Exception Resolved. | 12/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003364 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrows met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 12/07/2022 | HPML allowed per guidelines, confirmed compliant | 12/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003364 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/06/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003364 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/06/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003365 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 12/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003365 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003365 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/09/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003367 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/07/2022 | HPML allowed per guidelines, confirmed compliant | 12/07/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003367 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003367 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/06/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003368 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/02/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003368 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/02/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003368 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003369 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/07/2022 | HPML allowed per guidelines, confirmed compliant | 12/07/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003369 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003369 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/06/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003370 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/12/2022 | HPML allowed per guidelines, confirmed compliant | 12/12/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003370 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003370 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/09/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003371 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrows met appraisal requirements | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/05/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003371 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003371 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/02/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003372 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with estblish escrow met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | HPML allowed per guidelines, confirmed compliant | 12/06/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 100003372 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Appraiser has noted the property value trends for subject area are declining at this time. | Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.; | 12/23/2022 | Received lender credit exception form to permit max LTV of XXX for subject property located within a declining market. Property value well bracketed by appraiser, desk review in file supports appraisal value of XXX and value came in much higher than sales price. Client requested grade adjustment to level 2/B with the following compensating factors identified by the Client; clean credit history XXX on all accounts, minimum of 3 non-mortgage accounts all rated for at least 2 years, and qualifying FICO is XXX points higher than program mnimum of XXX Exception downgraded to 2/B. | 12/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 100003372 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Credit | Fully Executed Purchase Contract is Partial | The fully executed purchase contract is Partial. File is missing addenda adding the co-borrower spouse to the purchase transaction. | Change status of 'Fully Executed Purchase Contract is Partial' from Active to Open Rebuttal.;<br> Received executed addndum #2 dated XX/XX/XXXX adding co-borrower to transaction, all signed XX/XX/XXXX | 12/23/2022 | The fully executed purchase contract is Present. Exception Resolved. | 12/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 100003373 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/12/2022 | HPML allowed per guidelines, confirmed compliant | 12/12/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C B A |
| 100003373 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Appraisal reflects declining values. |  | 12/13/2022 | Rcvd Lender Exception Form for subject property located in a declining market approved at a maximum LTV of XXX WIth the following Compensating factors identifed by the Client; Assets, excessive XXX mos, PITIA vs. maximum required 12-months, FICO is XXX points higher than program minimum of XXX The property was well breaketed by appraiser and desk review in file supports appraised value. Exception granted with an adjusted level 2/B Grade. | 12/13/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C B A |
| 100003373 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/09/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C B A |
| 100003377 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/12/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 12/13/2022 | HPML allowed per guidelines, confirmed compliant | 12/13/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003377 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/12/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003377 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/12/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/12/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003377 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/09/2022 | Cleared | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | Change status of 'Security Instrument Indicator is Missing' from Active to Open Rebuttal.;<br> Received Security Instrument executed by the borrower. | 12/15/2022 | The security instrument indicator is Present. Exception Resolved. | 12/15/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003374 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/08/2022 | HPML allowed per guidelines, confirmed compliant | 12/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003374 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/07/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003374 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/07/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003380 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/14/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirement met. ; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/15/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003380 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003380 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/14/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003376 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. Missing executed PUD Rider. |  | 12/13/2022 | The security instrument indicator is Present. Exception Resolved. | 12/13/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| 100003376 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/08/2022 | HPML allowed per guidelines, confirmed compliant | 12/08/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| 100003376 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  |  | 12/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| 100003376 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/07/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| 100003381 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/19/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003381 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003381 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003382 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/19/2022 | C A |
| 100003382 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | C A |
| 100003382 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | C A |
| 100003384 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/21/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003384 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003384 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003414 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/20/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003414 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003414 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003388 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/23/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003388 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/22/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003388 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/22/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003378 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/13/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/14/2022 | HPML allowed per guidelines, confirmed compliant | 12/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003378 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/14/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003378 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/13/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/13/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003393 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/27/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003393 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003393 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003379 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/13/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 12/14/2022 | HPML allowed per guidelines, confirmed compliant | 12/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003379 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/13/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003379 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/13/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003389 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/23/2022 | C A |
| 100003389 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/22/2022 | C A |
| 100003389 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/22/2022 | C A |
| 100003383 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/19/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003383 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003383 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003390 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/23/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003390 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/22/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003390 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/22/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003394 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrows met appraisal requirements; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003394 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003394 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003396 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirments have been met. | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003396 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003396 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003386 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/22/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003386 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003386 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003387 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 12/22/2022 | HPML allowed per guidelines, confirmed compliant | 12/22/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003387 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/21/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003387 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Missing final settlement statement for sales proceeds from XXXX SW XXXth Court XXXX, FL. Missing evidence borrower received proceeds from this sale.; Asset Documents are Incomplete: Missing final settlement statement for sales proceeds from XXXX SW XXXth Court XXXX, FL. Missing evidence borrower received proceeds from this sale. | Received final settlement statement for the sale of XXX. occured on XX/XX/XXXX which reflects the borrower received XXX in proceeds.; Asset Documents are Incomplete: Missing final settlement statement for sales proceeds fromXXX. Missing evidence borrower received proceeds from this sale. | 01/11/2023 | Verified sufficient assets. Exception Resolved. | 01/11/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003385 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/21/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003385 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003385 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003391 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/23/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003391 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/23/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/23/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003397 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003397 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003397 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003397 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003415 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/20/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003415 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003415 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003400 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 01/03/2023 | HPML allowed per guidelines, confirmed compliant | 01/03/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003400 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003400 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/30/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003392 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML allowed per guidelines, confirmed compliant | 12/23/2022 | C A |
| 100003392 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/22/2022 | C A |
| 100003392 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/22/2022 | C A |
| 100003402 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/03/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/04/2023 | HPML allowed per guidelines, confirmed compliant | 01/04/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003402 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/03/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/03/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003402 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/03/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/03/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003395 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Credit | Note Document Indicator is Partial | Note document indicator is Partial. Missing all pages of the Note, only page X available. | Received all page of the Executed Note | 01/04/2023 | Note document indicator is Present. Exception Resolved. | 01/04/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003395 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrow met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 12/29/2022 | HPML allowed per guidelines, confirmed compliant | 12/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003395 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/28/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003401 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 01/03/2023 | HPML allowed per guidelines, confirmed compliant | 01/03/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003401 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003401 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/30/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003398 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Credit | Fully Executed Purchase Contract is Missing | The fully executed purchase contract is Missing | Change status of 'Fully Executed Purchase Contract is Missing' from Active to Open Rebuttal.;<br> Received Sale Escrow Instructions, mortgage payoff statement and preliminary title. After a re-review of loan file, documentation in file indicates subject sale is a FSBO, therefore no purchase contract was executed. All required documentation was provided and executed. No further action required. | 01/04/2023 | The fully executed purchase contract is recieved. Exception Resolved. | 01/04/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003398 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003398 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/29/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003399 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/29/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | HPML allowed per guidelines, confirmed compliant | 12/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003399 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 12/29/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003399 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 12/29/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003403 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant. | 01/05/2023 | HPML allowed per guidelines, confirmed compliant | 01/05/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003403 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/04/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003403 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/04/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003404 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/11/2023 | Cleared | Compliance | TRID Closing Disclosure Date and Funding Date Validation Test | This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. | Client provided ICD |  | This compliance test 'TRID Closing Disclosure Date and Funding Date Validation Test' is no longer tested | 01/11/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003404 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(i) no later than three business days before consummation.; X/XX/XX - Received Closing Disclosure dated XX/XX/XX. Exception cleared upon receipt of Initial Closing Disclosure.; File missing initial Closing Disclosure | Client provided ICD |  | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | 01/11/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003404 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met; HPML with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 01/11/2023 | HPML allowed per guidelines, confirmed compliant | 01/11/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003404 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003404 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003416 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/11/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 01/12/2023 | HPML allowed per guidelines, confirmed compliant | 01/12/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003416 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/11/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/11/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003416 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/11/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/11/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003412 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Missing a revised mother and spouse gift letter for $XXX, not $XXX. The borrower's XXX bank statement account #XXXX good through XX/XX/XXXX reflects two transfers from mother and spouses XXX account #XXXX were made on XX/XX/XXXX for $XXX and XX/XX/XXXX for $XXX, but gift letter was for $XXX. Therefore, a revised gift letter needed or funds for the $XXX can be excluded from verified asset total. | Received email correspondence stating the XXX deposit was not part of the gift. It was deposited on another day and it does not need to be sourced because it is not over the 10% tolerance. Did not give borrower credit for this deposit towards verified assets. | 01/19/2023 | A updated gift letter was not warranted even though the transfer was from same account as donors, but was transferred on a different date. Credit for this deposit was not given, to take a conservative approach, as borrower had sufficient funds to closing and meet reserve requirements. Exception Resolved. | 01/19/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003412 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirments met | HPML allowed per guidelines, confirmed compliant | 01/13/2023 | HPML allowed per guidelines, confirmed compliant | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003412 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/10/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003405 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/05/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003405 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/05/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003405 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/05/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 1/13/2023 | HPML allowed per guidelines, confirmed compliant | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/06/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. Mortgage is missing the XXX required to be filed for a property in XXX,.; Proof of housing counseling decision report provided | Client provided Security Instrument | 1/13/2023 | The security instrument indicator is Present | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/12/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 1/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan Required Escrow Account Test | This loan failed the higher-priced mortgage loan required escrow account test. (XXX CFR §XXX(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in XXX(b)(X) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(X)This test does not consider whether the creditor complies with XXX CFR §XXX(b)(X)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(X)This test does not account for instances when mortgage insurance reserves must be escrowed based on XXX CFR §XXX. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements.; Final CD dated XX/XX/XXXX list all the fees on Pg X as being paid by the seller. Provide page X of the Final CD. Unable to confirm CD collected escrows; Final CD dated XX/XX/XXXX list all the fees on Pg X as being paid by the seller; and No escrow reserves in secion G are being paid, however page X of the CD reflects this is an escrowed loan. <br>Please provide a full copy of Final CD dated XX/XX/XXXX to retest TRID.<br>; Page X of the CD provided as a trailing document on X/XX/XX which cleared all the exceptions | Client provided CD and Disclosures | 1/13/2023 | HPML allowed per guidelines, confirmed compliant | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/13/2023 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Page X of the CD provided as a trailing document on X/XX/XX which cleared all the exceptions | Client provided CD and Disclosures | 1/13/2023 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Documentation Type Test | This loan failed the documentation type test. (XXX ILCS XXX/X-X(b))The loan's document type is "No Documentation," "No Asset Verification," "No Asset or Income Verification," "No Income Verification," or "Reduced," or the document type is not provided.PLEASE NOTE: This result is not a determination that the licensee verified the borrower's ability to repay a residential mortgage loan based on XXX XXX-XXXX.For all residential mortgage loans made by a licensee, the borrower's income and financial resources must be verified by tax returns, payroll receipts, bank records, or other reasonably reliable methods, based upon the circumstances of the proposed loan. Nothing in this Section shall be construed to limit a licensee's ability to rely on criteria other than the borrower's income and financial resources to establish the borrower's reasonable ability to repay a residential mortgage loan; however, such other criteria must be verified through reasonably reliable methods and documentation. A statement by the borrower to the licensee of the borrower's income and resources is not sufficient to establish the existence of the income or resources when verifying the reasonable ability to pay. Stated income should be accepted only if there are mitigating factors that clearly minimize the need for direct verification of ability to repay. | Client provided CD and Disclosures | 1/13/2023 | This loan passed the documentation type test. XXXThe loan's document type is "Alternative," "Full Documentation," or "Streamline Refinance."PLEASE NOTE: This result is not a determination that the licensee verified the borrower's ability to repay a residential mortgage loan based on XXX XXXFor all residential mortgage loans made by a licensee, the borrower's income and financial resources must be verified by tax returns, payroll receipts, bank records, or other reasonably reliable methods, based upon the circumstances of the proposed loan. Nothing in this Section shall be construed to limit a licensee's ability to rely on criteria other than the borrower's income and financial resources to establish the borrower's reasonable ability to repay a residential mortgage loan; however, such other criteria must be verified through reasonably reliable methods and documentation. A statement by the borrower to the licensee of the borrower's income and resources is not sufficient to establish the existence of the income or resources when verifying the reasonable ability to pay. Stated income should be accepted only if there are mitigating factors that clearly minimize the need for direct verification of ability to repay. | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Page X of the CD provided as a trailing document on X/XX/XX which cleared all the exceptions | Client provided CD and Disclosures | 1/13/2023 | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XXX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; Final CD dated XX/XX/XXXX list all the fees on Pg X as being paid by the seller. Provide page X of the Final CD | Client provided CD and Disclosures | 1/13/2023 | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003409 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/06/2023 | Cleared | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Final CD dated XX/XX/XXXX list all the fees on Pg X as being paid by the seller.<br>Lender Credits were removed without a valid COC.<br>Please provide COC or Post Close CD with copy of refund check of $XXX, LOX and proof of delivery to the borrower. | Client provided CD and Disclosures | 1/13/2023 | This loan passed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX exceeds or equals the comparable sum of specific and non-specific lender credits XXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 01/13/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 100003406 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003406 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/05/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003406 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/05/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003407 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrows met appraisal requirement | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003407 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003407 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003408 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | HPML allowed per guidelines, confirmed compliant | 01/06/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003408 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003408 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/05/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/05/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003410 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/06/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/06/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003410 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/06/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/06/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003419 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Credit | Hazard Insurance Effective Date is after the Note Date |  | Received PCCD reflecting closing and funding date were on XX/XX/XXXX The hazard insurance effective date of XX/XX/XXXX is after the Disbursement date of XX/XX/XXXX per final CD in file. However, the same date as Note date, which would be the same date of closing. Missing final settlement statement or CD confirming closing date was XX/XX/XXXX | 01/19/2023 | Hazard insurance was in effect at time borrower took possession. Exception Resolved. | 01/19/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003419 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 01/17/2023 | HPML allowed per guidelines, confirmed compliant | 01/17/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003419 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003422 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/19/2023 | HPML allowed per guidelines, confirmed compliant | 01/19/2023 | C A |
| 100003422 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/18/2023 | C A |
| 100003422 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/18/2023 | C A |
| 100003423 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 01/19/2023 | HPML allowed per guidelines, confirmed compliant | 01/19/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. A |
| 100003423 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/18/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. A |
| 100003423 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/18/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. A |
| 100003424 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/19/2023 | HPML allowed per guidelines, confirmed compliant | 01/19/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003424 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/18/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003424 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/18/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/18/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003429 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Missing evidence of Copy of Appraisal was provided. | HPML allowed per guidelines, confirmed compliant | 01/24/2023 | HPML allowed per guidelines, confirmed compliant | 01/24/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003429 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  |  | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003429 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003420 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/17/2023 | HPML allowed per guidelines, confirmed compliant | 01/17/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003420 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/16/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003420 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/16/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003411 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/06/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPMl loan with establish escrow met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 01/09/2023 | HPML allowed per guidelines, confirmed compliant | 01/09/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003411 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/06/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/06/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003411 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/06/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/06/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003425 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003425 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/20/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003425 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/20/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003421 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/16/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 01/17/2023 | HPML allowed per guidelines, confirmed compliant | 01/17/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003421 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/16/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/16/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003421 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/16/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/16/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003417 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/13/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/16/2023 | HPML allowed per guidelines, confirmed compliant | 01/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003417 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/13/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/13/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003417 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/13/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/13/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003432 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/25/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/25/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003432 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/25/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/25/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003432 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/25/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; No Cure Required - HPML Loan with established escrows and appraisal requirements met. Downgraded | HPML allowed per guidelines, confirmed compliant | 01/26/2023 | HPML allowed per guidelines, confirmed compliant | 01/26/2023 | Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003426 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003426 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003426 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003430 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML allowed per guidelines, confirmed compliant and downgraded; HPML loan with established escrows and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/24/2023 | HPML allowed per guidelines, confirmed compliant | 01/24/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003430 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003430 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003427 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003427 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003427 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003428 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrows and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | HPML allowed per guidelines, confirmed compliant | 01/23/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003428 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003428 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| 100003413 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/11/2023 | HPML allowed per guidelines, confirmed compliant | 01/11/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003413 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/10/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003413 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/10/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003418 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/13/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | 01/16/2023 | HPML allowed per guidelines, confirmed compliant | 01/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003418 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/13/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/13/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003418 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/13/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/13/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 100003431 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/25/2023 | HPML allowed per guidelines, confirmed compliant | 01/25/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003431 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/24/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003431 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/24/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003463 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003463 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/30/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003463 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/30/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003464 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/31/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 01/31/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003464 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/30/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003464 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/30/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 100003465 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/30/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003465 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/30/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/30/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003465 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/31/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/31/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. C A |
| 100003466 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003466 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/30/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003466 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/30/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/30/2023 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years C A |
| 100003467 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/30/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements. | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | HPML allowed per guidelines, confirmed compliant | 01/31/2023 | C A |
| 100003467 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/30/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 01/30/2023 | C A |
| 100003467 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/30/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 01/30/2023 | C A |

---

## Exhibit 99.3

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 100003284 |  | XXXXX | $XXXXXX A C |
| 100003285 |  | XXXXX | $XXXXXX A C |
| 100003286 |  | XXXXX | $XXXXXX C A |
| 100003287 |  | XXXXX | $XXXXXX A C |
| 100003288 |  | XXXXX | $XXXXXX C A |
| 100003289 |  | XXXXX | $XXXXXX A C |
| 100003290 |  | XXXXX | $XXXXXX A C |
| 100003291 |  | XXXXX | $XXXXXX A C |
| 100003292 |  | XXXXX | $XXXXXX A |
| 100003293 |  | XXXXX | $XXXXXX A C |
| 100003294 |  | XXXXX | $XXXXXX A |
| 100003295 |  | XXXXX | $XXXXXX C A |
| 100003296 |  | XXXXX | $XXXXXX A C |
| 100003297 |  | XXXXX | $XXXXXX C A B |
| 100003298 |  | XXXXX | $XXXXXX C A |
| 100003299 |  | XXXXX | $XXXXXX A C |
| 100003300 |  | XXXXX | $XXXXXX A |
| 100003301 |  | XXXXX | $XXXXXX A C |
| 100003302 |  | XXXXX | $XXXXXX C A B |
| 100003303 |  | XXXXX | $XXXXXX A C |
| 100003304 |  | XXXXX | $XXXXXX A C |
| 100003305 |  | XXXXX | $XXXXXX A C |
| 100003306 |  | XXXXX | $XXXXXX A D C |
| 100003307 |  | XXXXX | $XXXXXX A C |
| 100003308 |  | XXXXX | $XXXXXX A C |
| 100003309 |  | XXXXX | $XXXXXX A |
| 100003310 |  | XXXXX | $XXXXXX A |
| 100003311 |  | XXXXX | $XXXXXX A |
| 100003312 |  | XXXXX | $XXXXXX A C |
| 100003313 |  | XXXXX | $XXXXXX D C A |
| 100003314 |  | XXXXX | $XXXXXX A C |
| 100003315 |  | XXXXX | $XXXXXX A C |
| 100003316 |  | XXXXX | $XXXXXX A C |
| 100003317 |  | XXXXX | $XXXXXX A C |
| 100003318 |  | XXXXX | $XXXXXX A |
| 100003319 |  | XXXXX | $XXXXXX A C |
| 100003320 |  | XXXXX | $XXXXXX A C |
| 100003321 |  | XXXXX | $XXXXXX A C |
| 100003322 |  | XXXXX | $XXXXXX C A |
| 100003323 |  | XXXXX | $XXXXXX A C |
| 100003324 |  | XXXXX | $XXXXXX A C |
| 100003325 |  | XXXXX | $XXXXXX A C |
| 100003326 |  | XXXXX | $XXXXXX A C |
| 100003327 |  | XXXXX | $XXXXXX A C B |
| 100003328 |  | XXXXX | $XXXXXX A C |
| 100003329 |  | XXXXX | $XXXXXX A C |
| 100003330 |  | XXXXX | $XXXXXX A C D |
| 100003331 |  | XXXXX | $XXXXXX A C |
| 100003332 |  | XXXXX | $XXXXXX A D C |
| 100003333 |  | XXXXX | $XXXXXX A C |
| 100003334 |  | XXXXX | $XXXXXX A C |
| 100003335 |  | XXXXX | $XXXXXX A C B |
| 100003336 |  | XXXXX | $XXXXXX A C |
| 100003337 |  | XXXXX | $XXXXXX A C B |
| 100003338 |  | XXXXX | $XXXXXX A D C B |
| 100003339 |  | XXXXX | $XXXXXX A C |
| 100003340 |  | XXXXX | $XXXXXX A C |
| 100003341 |  | XXXXX | $XXXXXX A C |
| 100003342 |  | XXXXX | $XXXXXX A C |
| 100003343 |  | XXXXX | $XXXXXX A C |
| 100003344 |  | XXXXX | $XXXXXX C A |
| 100003345 |  | XXXXX | $XXXXXX A C |
| 100003346 |  | XXXXX | $XXXXXX A D C |
| 100003347 |  | XXXXX | $XXXXXX A C |
| 100003348 |  | XXXXX | $XXXXXX A C |
| 100003349 |  | XXXXX | $XXXXXX A C |
| 100003350 |  | XXXXX | $XXXXXX A |
| 100003351 |  | XXXXX | $XXXXXX A C |
| 100003352 |  | XXXXX | $XXXXXX A C |
| 100003353 |  | XXXXX | $XXXXXX A C |
| 100003354 |  | XXXXX | $XXXXXX A C |
| 100003355 |  | XXXXX | $XXXXXX A C |
| 100003356 |  | XXXXX | $XXXXXX A C |
| 100003357 |  | XXXXX | $XXXXXX A C |
| 100003358 |  | XXXXX | $XXXXXX A C |
| 100003359 |  | XXXXX | $XXXXXX A C |
| 100003360 |  | XXXXX | $XXXXXX A C |
| 100003361 |  | XXXXX | $XXXXXX A C |
| 100003362 |  | XXXXX | $XXXXXX A D C |
| 100003363 |  | XXXXX | $XXXXXX A C |
| 100003364 |  | XXXXX | $XXXXXX A C |
| 100003365 |  | XXXXX | $XXXXXX A |
| 100003366 |  | XXXXX | $XXXXXX A C |
| 100003367 |  | XXXXX | $XXXXXX A C |
| 100003368 |  | XXXXX | $XXXXXX A C |
| 100003369 |  | XXXXX | $XXXXXX A C |
| 100003370 |  | XXXXX | $XXXXXX A C |
| 100003371 |  | XXXXX | $XXXXXX A C |
| 100003372 |  | XXXXX | $XXXXXX D C A B |
| 100003373 |  | XXXXX | $XXXXXX A C B |
| 100003377 |  | XXXXX | $XXXXXX A D C |
| 100003374 |  | XXXXX | $XXXXXX A C |
| 100003375 |  | XXXXX | $XXXXXX A C |
| 100003380 |  | XXXXX | $XXXXXX A C |
| 100003376 |  | XXXXX | $XXXXXX A D C |
| 100003381 |  | XXXXX | $XXXXXX A C |
| 100003382 |  | XXXXX | $XXXXXX A C |
| 100003384 |  | XXXXX | $XXXXXX A C |
| 100003414 |  | XXXXX | $XXXXXX A C |
| 100003388 |  | XXXXX | $XXXXXX A C |
| 100003378 |  | XXXXX | $XXXXXX A C |
| 100003393 |  | XXXXX | $XXXXXX A C |
| 100003379 |  | XXXXX | $XXXXXX A C |
| 100003389 |  | XXXXX | $XXXXXX A C |
| 100003383 |  | XXXXX | $XXXXXX A C |
| 100003403 |  | XXXXX | $XXXXXX A C |
| 100003390 |  | XXXXX | $XXXXXX A C |
| 100003394 |  | XXXXX | $XXXXXX A C |
| 100003396 |  | XXXXX | $XXXXXX A C |
| 100003386 |  | XXXXX | $XXXXXX A C |
| 100003387 |  | XXXXX | $XXXXXX C A |
| 100003385 |  | XXXXX | $XXXXXX A C |
| 100003391 |  | XXXXX | $XXXXXX A |
| 100003397 |  | XXXXX | $XXXXXX A C |
| 100003415 |  | XXXXX | $XXXXXX A C |
| 100003400 |  | XXXXX | $XXXXXX A C |
| 100003404 |  | XXXXX | $XXXXXX A C |
| 100003416 |  | XXXXX | $XXXXXX A C |
| 100003392 |  | XXXXX | $XXXXXX A C |
| 100003412 |  | XXXXX | $XXXXXX C A |
| 100003405 |  | XXXXX | $XXXXXX A C |
| 100003402 |  | XXXXX | $XXXXXX A C |
| 100003395 |  | XXXXX | $XXXXXX D C A |
| 100003401 |  | XXXXX | $XXXXXX A C |
| 100003398 |  | XXXXX | $XXXXXX D C A |
| 100003409 |  | XXXXX | $XXXXXX A D C |
| 100003399 |  | XXXXX | $XXXXXX A C |
| 100003406 |  | XXXXX | $XXXXXX A C |
| 100003407 |  | XXXXX | $XXXXXX A C |
| 100003408 |  | XXXXX | $XXXXXX A C |
| 100003410 |  | XXXXX | $XXXXXX A |
| 100003419 |  | XXXXX | $XXXXXX C A |
| 100003422 |  | XXXXX | $XXXXXX A C |
| 100003423 |  | XXXXX | $XXXXXX A C |
| 100003424 |  | XXXXX | $XXXXXX A C |
| 100003429 |  | XXXXX | $XXXXXX A C |
| 100003420 |  | XXXXX | $XXXXXX A C |
| 100003411 |  | XXXXX | $XXXXXX A C |
| 100003425 |  | XXXXX | $XXXXXX A C |
| 100003463 |  | XXXXX | $XXXXXX A C |
| 100003464 |  | XXXXX | $XXXXXX A |
| 100003421 |  | XXXXX | $XXXXXX A C |
| 100003417 |  | XXXXX | $XXXXXX A C |
| 100003432 |  | XXXXX | $XXXXXX A C |
| 100003426 |  | XXXXX | $XXXXXX A C |
| 100003430 |  | XXXXX | $XXXXXX A C |
| 100003427 |  | XXXXX | $XXXXXX A C |
| 100003428 |  | XXXXX | $XXXXXX A C |
| 100003413 |  | XXXXX | $XXXXXX A C |
| 100003418 |  | XXXXX | $XXXXXX A C |
| 100003465 |  | XXXXX | $XXXXXX A C |
| 100003431 |  | XXXXX | $XXXXXX A C |
| 100003466 |  | XXXXX | $XXXXXX A C |
| 100003467 |  | XXXXX | $XXXXXX A C |

---

## Exhibit 99.4

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 100003284 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003285 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 100003286 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003287 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 100003288 |  | XXXXX | $XXXXXX | $XXX | $XXX | 76.92% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  | XX/XX/XXXX | $XXX | $74000.00 | 1.9% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 100003289 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003290 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003291 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003292 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003293 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.64% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 100003294 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.95% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003295 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 100003296 |  | XXXXX | $XXXXXX | $XXX | $XXX | 52.27% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 100003297 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003298 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003299 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.66% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 100003300 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 100003301 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003302 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003303 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003304 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 100003305 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 100003306 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 100003307 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003308 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 100003309 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 100003310 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003311 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003312 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003313 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 100003314 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003315 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003316 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 100003317 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003318 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 100003319 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003320 |  | XXXXX | $XXXXXX | $XXX | $XXX | 77.26% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | -$50000.00 | -8.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003321 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003322 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003323 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 100003324 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003325 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003326 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003327 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  | XX/XX/XXXX | $XXX | $13200.00 | 4.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 100003328 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003329 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 100003330 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003331 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003332 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 100003333 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003334 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003335 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.21% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 100003336 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.44% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003337 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.93% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003338 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 100003339 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 100003340 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003341 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.6% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 100003342 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003343 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003344 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 100003345 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003346 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 100003347 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003348 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003349 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78.55% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 100003350 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 100003351 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 100003352 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  | XX/XX/XXXX | $XXX | $15000.00 | 0.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 100003353 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003354 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003355 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 100003356 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003357 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003358 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003359 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.18% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 100003360 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003361 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 100003362 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | $350000.00 | 10.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 100003363 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60.76% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003364 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 100003365 |  | XXXXX | $XXXXXX | $XXX | $XXX | 44.12% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003366 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 100003367 |  | XXXXX | $XXXXXX | $XXX | $XXX | 62.62% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 100003368 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 100003369 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 100003370 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 100003371 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 100003372 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003373 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003377 |  | XXXXX | $XXXXXX | $XXX | $XXX | 57.69% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 100003374 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | -$5000.00 | -1.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003375 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 100003380 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.33% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003376 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003381 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003382 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003384 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003414 |  | XXXXX | $XXXXXX | $XXX | $XXX | 55% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003388 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 100003378 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.92% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003393 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003379 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003389 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 100003383 |  | XXXXX | $XXXXXX | $XXX | $XXX | 52.94% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 100003403 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003390 |  | XXXXX | $XXXXXX | $XXX | $XXX | 34.65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003394 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 100003396 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 100003386 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003387 |  | XXXXX | $XXXXXX | $XXX | $XXX | 52.33% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003385 |  | XXXXX | $XXXXXX | $XXX | $XXX | 38.82% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003391 |  | XXXXX | $XXXXXX | $XXX | $XXX | 59.9% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003397 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003415 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003400 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003404 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 100003416 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 100003392 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 100003412 |  | XXXXX | $XXXXXX | $XXX | $XXX | 71.18% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003405 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 100003402 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 100003395 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | $130000.00 | 4.81% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 100003401 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78.33% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003398 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 100003409 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 100003399 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003406 |  | XXXXX | $XXXXXX | $XXX | $XXX | 67.2% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003407 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 100003408 |  | XXXXX | $XXXXXX | $XXX | $XXX | 21.67% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 100003410 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 100003419 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 100003422 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 100003423 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003424 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 100003429 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003420 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 100003411 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 100003425 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003463 |  | XXXXX | $XXXXXX | $XXX | $XXX | 51.95% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003464 |  | XXXXX | $XXXXXX | $XXX | $XXX | 19.35% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 100003421 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 100003417 |  | XXXXX | $XXXXXX | $XXX | $XXX | 56.79% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003432 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003426 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 100003430 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003427 |  | XXXXX | $XXXXXX | $XXX | $XXX | 77.95% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 100003428 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003413 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003418 |  | XXXXX | $XXXXXX | $XXX | $XXX | 45.06% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 100003465 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003431 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.03% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 100003466 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 100003467 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |

---

## Exhibit 99.5

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.5**

---

| | | | |
|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** |
| 100003284 | UW_FICO_Utilized | XXX | XXX |
| 100003287 | Property_Type | PUD | Townhouse (Do not report as PUD) |
| 100003288 | Original_Collateral_Value_Date | XXX | XXX |
| 100003289 | Original_Collateral_Value_Date | XXX | XXX |
| 100003290 | Property_Address | XXX | XXX |
| 100003291 | Original_Collateral_Value_Date | XXX | XXX |
| 100003292 | Original_Collateral_Value_Date | XXX | XXX |
| 100003313 | Closing_Date | XXX | XXX |
| 100003313 | UW_FICO_Utilized | XXX | XXX |
| 100003314 | Property_Address | XXX | XXX |
| 100003316 | Property_Address | XXX | XXX |
| 100003317 | Property_Address | XXX | XXX |
| 100003318 | Property_Address | XXX | XXX |
| 100003319 | Property_Address | XXX | XXX |
| 100003320 | Original_Collateral_Value | XXX | XXX |
| 100003320 | Original_Collateral_Value_Date | XXX | XXX |
| 100003320 | Property_Address | XXX | XXX |
| 100003321 | Property_Address | XXX | XXX |
| 100003322 | Property_Address | XXX | XXX |
| 100003323 | Property_Address | XXX | XXX |
| 100003324 | Property_Address | XXX | XXX |
| 100003325 | Property_Address | XXX | XXX |
| 100003326 | Property_Address | XXX | XXX |
| 100003326 | UW_FICO_Utilized | XXX | XXX |
| 100003327 | Property_Address | XXX | XXX |
| 100003327 | Sales_Price | XXX | XXX |
| 100003328 | Property_Address | XXX | XXX |
| 100003329 | Property_Address | XXX | XXX |
| 100003330 | Property_Address | XXX | XXX |
| 100003332 | Property_Address | XXX | XXX |
| 100003334 | Property_Address | XXX | XXX |
| 100003335 | Property_Address | XXX | XXX |
| 100003336 | Property_Address | XXX | XXX |
| 100003343 | Sales_Price | XXX | XXX |
| 100003349 | Closing_Date | XXX | XXX |
| 100003349 | Sales_Price | XXX | XXX |
| 100003350 | UW_FICO_Utilized | XXX | XXX |
| 100003352 | Original_Collateral_Value_Date | XXX | XXX |
| 100003352 | UW_FICO_Utilized | XXX | XXX |
| 100003361 | UW_FICO_Utilized | XXX | XXX |
| 100003366 | Original_Collateral_Value | XXX | XXX |
| 100003374 | Original_Collateral_Value | XXX | XXX |
| 100003380 | Sales_Price | XXX | XXX |
| 100003410 | UW_FICO_Utilized | XXX | XXX |
| 100003423 | Original_Collateral_Value | XXX | XXX |
| 100003424 | Original_Collateral_Value_Date | XXX | XXX |
| 100003427 | Sales_Price | XXX | XXX |
| 100003431 | Sales_Price | XXX | XXX |

---

## Exhibit 99.6

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.6**

![](logo-009.jpg)

![](image_001.jpg)

Canopy Financial Technology Partners LLC

info@canopytpr.com \| 720-371-8517 \| www.canopytpr.com

Address: 83 Halls Road, Unit 203, Old Lyme, CT 06371

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Change Lending, LLC (the "Client") or its affiliated company. The Review was conducted from November 2021 to January 2023 via files imaged and provided by the Client for review.

The Review consisted of a population of Two Hundred and Sixty-Five (265) Loans with an aggregate principal balance of $147,407,481.00.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

· All known borrower-owned properties are disclosed on the REO Section;

· Borrower(s) employment history ;

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

· Capture the monthly consumer debt payments for use in the applicable DTI calculation;

· Installment and revolving payment history;

· Mortgage/rental payment history;

· Note and research the Real Estate Owned, OFAC, and Fraud alerts;

· Number of tradelines; and

· Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

· IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

· Depository account statements;

· Gift funds;

· Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

· Stock or security account statements; and/or

· VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

· Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

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

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

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

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

**Automated Underwriting System Findings:** N/A

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

· Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603, as implemented by Regulation
X, 12 C.F.R. Part 1024;

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

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the following documents as they related to regulatory compliance:

&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. Initial and final application (1003)

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](logo-009.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&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. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&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. Copy of note for any junior liens (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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&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. Initial, Interim, and Final Loan Estimates ("LE")

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

&nbsp;&nbsp;&nbsp;&nbsp;&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. Notice of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date 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;ix. HOEPA Disclosures (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;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

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

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to
determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&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. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID
Grid 3.0" v.12/05/2019);

&nbsp;&nbsp;&nbsp;&nbsp;&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. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).
The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

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**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. **Notwithstanding the foregoing, Seller is exempt from the ATR Rule pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review
to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA
disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of
Homeownership Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance
with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business
days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable
waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR
§ 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance
with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant,
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&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. Mandatory Arbitration – Canopy will report mandatory arbitration provisions
present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or
debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR will test for state prepayment and late charge restrictions. If a prepayment
penalty that exceeds the state permitted penalty has expired, this must be reported.

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq.
(2002 – 2014).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §
345.10 et seq. (Repealed)

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard,
M.G.L. Chapter 183, §28C.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209
Mass. Code Regs. §§ 32.00 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter
184, §17B.5.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans, NY Bank. Law § 6-m.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance,
Ordinance No. 72-2003.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat.
Ann. § 456.501 et seq.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title
47 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· The disclosure requirements and prohibitions of Section 50(a)(6)
and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending and Homeownership,
Chapter 108, Laws of 2008.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat.
§ 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (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.

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

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

**Ability to Repay (ATR)**

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

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

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

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**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

&nbsp;&nbsp;&nbsp;&nbsp;· With respect to Title XI of FIRREA, Canopy checked for the presence
of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed
a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;· With respect to USPAP, Canopy confirmed the appraiser's certification
is present and executed within the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

&nbsp;&nbsp;&nbsp;&nbsp;· In the event the Desk Review process yielded material exceptions
or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

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· Chart is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 |

---

· Of the 265 Non-Agency Eligible loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 265 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 20 Loan Files were also noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 20 Loan Files were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 20 Loans Files were also noted with a Desk Review supporting the original appraised value within a 10% variance.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event 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** | 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 is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &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** | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

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---

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

---

**FINDINGS SUMMARY**

 **Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 6.04% (16 loans) have an overall grade of "B" and 93.96% (249 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 3.02%, or eight (8) mortgage loans reviewed, and 96.98% (257 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 2.26%, or six (6) mortgage loans reviewed, and 97.74% (259 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.75%, or two (2) mortgage loans reviewed, and 99.25% (263 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;249 | &nbsp;&nbsp;93.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;257 | &nbsp;&nbsp;96.98% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.02% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;263 | &nbsp;&nbsp;99.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;259 | &nbsp;&nbsp;97.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;202 | &nbsp;&nbsp;76.23% | &nbsp;&nbsp;$84666482.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;63 | &nbsp;&nbsp;23.77% | &nbsp;&nbsp;$62740999.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147407481.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;265 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$147407481.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147407481.00** |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$2637000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.51% | &nbsp;&nbsp;$2989400.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;75 | &nbsp;&nbsp;28.30% | &nbsp;&nbsp;$44022700.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;74 | &nbsp;&nbsp;27.92% | &nbsp;&nbsp;$26549485.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;100 | &nbsp;&nbsp;37.74% | &nbsp;&nbsp;$63250646.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;$7958250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147407481.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;265 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$147407481.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147407481.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;256 | &nbsp;&nbsp;96.60% | &nbsp;&nbsp;$139859306.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.40% | &nbsp;&nbsp;$7548175.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147407481.00** |

---

**DATA COMPARISON RESULTS**

Of the Two Hundred and Sixty-Five (265) mortgage loan files reviewed, twelve (12) unique loans (4.53% by number) had twelve (12) tape comparison discrepancies across twenty seven (27) data fields.

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;265 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

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**Disclaimer**

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.* 

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

## Exhibit 99.7

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.7**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 100003095 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003096 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003098 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003100 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003094 |  | C A | Closed | FCRE1159 | 2022-02-18 13:18 | 2022-02-21 08:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Prior and updated policy for unit xxx now in evidence- item is resolved. - Due Diligence Vendor-02/21/2022 <br> Ready for Review-Document Uploaded. - Seller-02/18/2022 <br> Open-Policy for xxx effective date is xxx, which is after the closing date of xxx and the disbursement date of xxx. The other policy in file for xxx expired xxx - Due Diligence Vendor-02/17/2022 | Ready for Review-Document Uploaded. - Seller-02/18/2022<br>| Resolved-Prior and updated policy for unit xxx now in evidence- item is resolved. - Due Diligence Vendor-02/21/2022 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 100003097 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003101 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 100003104 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 100003107 |  | C A | Closed | FCOM4227 | 2022-03-15 16:33 | 2022-03-16 11:59 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received initial Closing Disclosure. - Due Diligence Vendor-03/16/2022 <br>Ready for Review-Document Uploaded. - Seller-03/15/2022 <br>Open-Missing initial Closing Disclosure, Tracking shows 2/16/22 was sent - Due Diligence Vendor-03/14/2022 | Ready for Review-Document Uploaded. - Seller-03/15/2022<br>| Resolved-\*\*\*Received initial Closing Disclosure. - Due Diligence Vendor-03/16/2022<br>|  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 100003106 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003099 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003058 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003102 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003103 |  | C A | Closed | finding-3652 | 2022-04-25 11:28 | 2022-04-26 11:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- Received COC. - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. - Seller-04/25/2022 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/12/2022 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Non Specific Lender Credits decreased from 837 to 0. - Due Diligence Vendor-04/14/2022 | Ready for Review-Document Uploaded. - Seller-04/25/2022<br>| Resolved- Received COC. - Due Diligence Vendor-04/26/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003103 |  | C A | Closed | finding-3631 | 2022-04-25 11:27 | 2022-04-26 11:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- Received COC - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. - Seller-04/25/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Loan Discount Points were added on the Final CD (257.40). There was a 250 cure but it did not cover the whole fee. COC was not located in file. - Due Diligence Vendor-04/14/2022 | Ready for Review-Document Uploaded. - Seller-04/25/2022<br>| Resolved- Received COC - Due Diligence Vendor-04/26/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003103 |  | C A | Closed | finding-3632 | 2022-04-25 11:27 | 2022-04-26 11:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- Received COC - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. - Seller-04/25/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Loan Discount Points were added on the Final CD (257.40). There was a 250 cure but it did not cover the whole fee. COC was not located in file. - Due Diligence Vendor-04/14/2022 | Ready for Review-Document Uploaded. - Seller-04/25/2022<br>| Resolved- Received COC - Due Diligence Vendor-04/26/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003103 |  | C A | Closed | finding-3634 | 2022-04-25 11:27 | 2022-04-26 11:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- Received COC - Due Diligence Vendor-04/26/2022 <br>Ready for Review-Document Uploaded. - Seller-04/25/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Loan Discount Points were added on the Final CD (257.40). There was a 250 cure but it did not cover the whole fee. COC was not located in file. - Due Diligence Vendor-04/14/2022 | Ready for Review-Document Uploaded. - Seller-04/25/2022<br>| Resolved- Received COC - Due Diligence Vendor-04/26/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.85% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003108 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 100003105 |  | D A | Closed | FCRE1241 | 2022-04-18 16:38 | 2022-05-27 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/26/2022 <br>Resolved-Non-arm's length transaction utilizing specific Escrow Instructions in lieu of traditional contract. Fully executed form with revised Settlement Date provided at resubmission- item resolved. - Due Diligence Vendor-04/19/2022 <br>Ready for Review-Document Uploaded. - Seller-04/18/2022 <br>Open-Purchase Contract Is Missing Could not locate Purchase Contract - Due Diligence Vendor-04/18/2022 | Ready for Review-Document Uploaded. - Seller-04/18/2022<br>| Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/26/2022 <br>Resolved-Non-arm's length transaction utilizing specific Escrow Instructions in lieu of traditional contract. Fully executed form with revised Settlement Date provided at resubmission- item resolved. - Due Diligence Vendor-04/19/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 679 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003110 |  | D A | Closed | FCRE1173 | 2022-04-22 12:40 | 2022-04-25 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-Master Insurance Policy provided at resubmission. - Due Diligence Vendor-04/25/2022 <br>Ready for Review-Document Uploaded. - Seller-04/22/2022 <br>Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-04/22/2022 | Ready for Review-Document Uploaded. - Seller-04/22/2022<br>| Resolved-Master Insurance Policy provided at resubmission. - Due Diligence Vendor-04/25/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52 Are Greater Than The Guideline Minimum Of 7 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003113 |  | C B A | Closed | FCRE1198 | 2022-05-04 17:17 | 2022-09-20 07:41 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Investor Exception issued for 8 months' PITIA reserves vs. 9 as required per guidelines. - Due Diligence Vendor-09/20/2022 <br> Ready for Review-Document Uploaded. - Seller-09/19/2022 <br> Counter-xxx in gift funds are confirmed per letter and wire, as is clearance of earnest money. Balance on xxx of sole personal account verified is xxx - xxx funds sent to closing + xxx refund per FSS = xxx remaining, which does not meet reserve requirement of xxx for 9 months' PITIA. Please provide evidence of additional funds to meet this requirement, or an Investor Exception to waive. - Due Diligence Vendor-05/05/2022 <br> Ready for Review-Document Uploaded. xxx balance is xxx / Please see Final SS for gifts. - Seller-05/04/2022 <br> Counter-No additional information received- assets verified are xxx earnest money, xxx gift wired to closing, and xxx in personal liquid funds. Per Final CD in file, cash to close after deposit is xxx, leaving xxx in reserves with minimum required of xxx- 9 months' PITIA. Please provide evidence of additional assets or an approved Investor Exception. - Due Diligence Vendor-04/28/2022 <br> Ready for Review-Document Uploaded. - Seller-04/27/2022 <br> Open-Audited Reserves of 8 are less than Guideline Required Reserves of 9. Per guidelines 9 months of reserves required. After closing costs and gift of 60k, short of 1 mo reserves. - Due Diligence Vendor-04/26/2022 | Ready for Review-Document Uploaded. - Seller-09/19/2022 <br> Ready for Review-Document Uploaded. xxx balance is xxx / Please see Final SS for gifts. - Seller-05/04/2022 <br> Ready for Review-Document Uploaded. - Seller-04/27/2022 | Acknowledged-Investor Exception issued for 8 months' PITIA reserves vs. 9 as required per guidelines. - Due Diligence Vendor-09/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Clean credit history (0x30) on all accounts (min, 3 non-mtg accts all rated for at least 2 years); qualifying FICO is 127 points higher than program minimum of 600 | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003109 |  | C A | Closed | FCOM4227 | 2022-05-03 11:21 | 2022-05-04 12:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received Initial CD - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. - Seller-05/03/2022 <br>Open-Compliance review incomplete until minimum required documents to complete review are received due to the missing initial closing disclosure. - Due Diligence Vendor-05/02/2022 | Ready for Review-Document Uploaded. - Seller-05/03/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.85% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003109 |  | C A | Closed | finding-3532 | 2022-05-03 11:15 | 2022-05-04 12:35 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. - Seller-05/03/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*Compliance review incomplete until minimum required documents to complete review are received due to the missing initial closing disclosure. - Due Diligence Vendor-05/03/2022 | Ready for Review-Document Uploaded. - Seller-05/03/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.85% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003112 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003111 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003114 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003116 |  | C A | Closed | FCRE1167 | 2022-06-06 07:58 | 2022-06-30 10:19 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Confirmed sufficient Hazard Insurance Coverage is in effect per feedback from insurer at resubmission. - Due Diligence Vendor-06/30/2022 <br> Ready for Review-Document Uploaded. Please see communication from insurance agent - Seller-06/29/2022 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Please see communication from insurance agent - Seller-06/29/2022<br>| Resolved-Confirmed sufficient Hazard Insurance Coverage is in effect per feedback from insurer at resubmission. - Due Diligence Vendor-06/30/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.87 Are Greater Than The Guideline Minimum Of 7 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003120 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003117 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003085 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003115 |  | C A | Closed | FCRE1198 | 2022-06-15 14:03 | 2022-09-07 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets as originally submitted were insufficient; updated bank statements dated two weeks post-closing provided which document the amount sent for settlement of xxx- which is higher than xxx listed on Final CD. Sufficient remaining funds after this wire in the amount of xxx documented to meet guideline minimum of xxx, therefore considered as resolved. - Due Diligence Vendor-09/07/2022 <br> Ready for Review-UW reviewed, this is another file that was Cleared to Close after the new guidelines came out on 8/15 and we were told these guidelines apply to ALL files in the current pipeline. - Seller-09/06/2022 <br> Counter-Asset report in file reflects a balance of xxx for account #xxx as of xxx. Updated statement provided dated xxx contains xxx. Transaction remains short the required reserve amount of 3 months' PITIA as listed previously. - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Document Uploaded. - Seller-07/29/2022 <br> Counter-No additional information provided- after settlement per Final CD and Asset Reports dated xxx in file, remaining funds are xxx less than the three months' PITIA required. Please provide proof of additional reserves or an approved Investor Exception to allow. - Due Diligence Vendor-06/16/2022 <br> Ready for Review-Document Uploaded. - Seller-06/15/2022 <br> Open-Audited Reserves of 2.58 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-06/09/2022 | Ready for Review-UW reviewed, this is another file that was Cleared to Close after the new guidelines came out on xxx and we were told these guidelines apply to ALL files in the current pipeline. - Seller-09/06/2022 <br> Ready for Review-Document Uploaded. - Seller-07/29/2022 <br> Ready for Review-Document Uploaded. - Seller-06/15/2022 | Resolved-Assets as originally submitted were insufficient; updated bank statements dated two weeks post-closing provided which document the amount sent for settlement of xxx- which is higher than xxx listed on Final CD. Sufficient remaining funds after this wire in the amount of xxx documented to meet guideline minimum of xxx, therefore considered as resolved. - Due Diligence Vendor-09/07/2022 |  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003119 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003054 |  | A B | Closed | FCOM1270 | 2022-06-17 11:25 | 2022-06-17 11:25 | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-06/17/2022 |  | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-06/17/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003118 |  | C B A | Closed | FPRO1249 | 2022-06-24 16:00 | 2022-07-06 06:57 | Acknowledged | 2 - Non-Material C B | Property | Property Issue | Neighborhood Location Not Allowed for Program | Acknowledged-Investor Exception issued for Acreage >20 on a Rural property for the Community program- total of 30.12 per appraisal. - Due Diligence Vendor-07/06/2022 <br> Ready for Review-Document Uploaded. - Seller-07/05/2022 <br> Open-Per appraisal, lot area is xxx Acres. Per guidelines Rural properties must be xxx acres maximum. - Due Diligence Vendor-06/27/2022 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-06/24/2022 | Ready for Review-Document Uploaded. - Seller-07/05/2022<br>| Acknowledged-Investor Exception issued for Acreage >20 on a Rural property for the Community program- total of xxx per appraisal. - Due Diligence Vendor-07/06/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Excellent credit history/minimal usage of consumer debt; Minimal to no payment shock; Reserves well in excess of minimum required | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003122 |  | C B A | Closed | FCRE1198 | 2023-02-07 17:39 | 2023-02-07 17:40 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Client provided guideline exception allowing for less reserves than guideline min. See comp factors. <br> - Due Diligence Vendor-02/07/2023 <br>Open-Audited Reserves of 8.8 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-02/07/2023 |  | Acknowledged-Client provided guideline exception allowing for less reserves than guideline min. See comp factors. <br> - Due Diligence Vendor-02/07/2023<br>|  | 1. Qualifying FICO of 778 is 178 points higher than the minimum FICO of 600. <br> 2. Low credit usage ratio of twenty-five percent (25%) or less. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 100003121 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003065 |  | B A | Closed | FCRE1198 | 2023-02-07 17:58 | 2023-02-07 18:00 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Client provided guideline exception for reserves less then required. See comp factors. - Due Diligence Vendor-02/07/2023 <br>Acknowledged-Audited Reserves of 4.44 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-02/07/2023 |  | Acknowledged-Client provided guideline exception for reserves less then required. See comp factors. - Due Diligence Vendor-02/07/2023 <br>Acknowledged-Audited Reserves of 4.44 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-02/07/2023<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | 1. Qualifying FICO of 793 is 193 points higher than the minimum FICO of 600.<br> 2. 24+ months housing history reviewed with no late payments |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 100003123 |  | A B | Closed | FCRE1198 | 2022-08-04 11:57 | 2022-09-14 13:25 | Acknowledged | 2 - Non-Material A B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Investor Exception issued for reserves of 2.43 months' PITIA vs. program minimum of 3. - Due Diligence Vendor-09/14/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Audited reserves of 2.43 is less than minimum required of 3 months. - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Acknowledged-Investor Exception issued for reserves of 2.43 months' PITIA vs. program minimum of 3. - Due Diligence Vendor-09/14/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Excellent credit history (4 x 24+ ratings paid as agreed); qualifying FICO is 147 points higher than program minimum of 640 | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003124 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003056 |  | C B A | Closed | FCRE1194 | 2022-07-15 13:25 | 2022-09-14 13:16 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Investor Exception issued to allow for use of guidelines prior to 6/13/22 revision, with LTV/CLTV of 80% and 3 months' PITIA. - Due Diligence Vendor-09/14/2022 <br> Ready for Review-Document Uploaded. - Seller-09/14/2022 <br> Counter-Revised Investor Guidelines Dated xxx indicates an Effective Date of xxx, which matches the day application was taken per initial 1003 and disclosure package. If updated policy did not take effect until xxx, please provide evidence of same as this does not match the matrix provided to the due diligence firm. If new restriction was truly in place on the day of application, please provide an Investor Exception to allow 5% LTV/CLTV lift. - Due Diligence Vendor-07/20/2022 <br> Ready for Review-Per UW; all locks xxx and forward would apply for the updated guidelines dated xxx. \*Loan was locked on xxx, prior to xxx; it would fall on guidelines prior to xxx - Seller-07/19/2022 <br> Open-Per guidelines dated xxx, the maximum LTV is 70% - Due Diligence Vendor-07/15/2022 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% - Due Diligence Vendor-07/15/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022 <br> Ready for Review-Per UW; all locks xxx and forward would apply for the updated guidelines dated xxx. \*Loan was locked on xxx, prior to xxx; it would fall on guidelines prior to xxx - Seller-07/19/2022 | Acknowledged-Investor Exception issued to allow for use of guidelines prior to xxx revision, with LTV/CLTV of 80% and 3 months' PITIA. - Due Diligence Vendor-09/14/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Excellent credit history with minimal use of credit; Excessive reserves; 24+ month housing history reviewed with no late payments | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003056 |  | C B A | Closed | FCRE1195 | 2022-07-15 13:25 | 2022-09-14 13:15 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Investor Exception issued to allow for use of guidelines prior to xxx revision, with LTV/CLTV of 80% and 3 months' PITIA. - Due Diligence Vendor-09/14/2022 <br> Ready for Review-Document Uploaded. - Seller-09/14/2022 <br> Counter-Revised Investor Guidelines Dated xxx indicates an Effective Date of xxx, which matches the day application was taken per initial 1003 and disclosure package. If updated policy did not take effect until xxx, please provide evidence of same as this does not match the matrix provided to the due diligence firm. If new restriction was truly in place on the day of application, please provide an Investor Exception to allow 5% LTV/CLTV lift. - Due Diligence Vendor-07/20/2022 <br> Ready for Review-Per UW; all locks xxx and forward would apply for the updated guidelines dated xxx. \*Loan was locked on xxx, prior to xxx; it would fall on guidelines prior to xxx - Seller-07/19/2022 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Per guidelines dated 6/13/2022, the maximum CLTV is 75% - Due Diligence Vendor-07/15/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022 <br> Ready for Review-Per UW; all locks xxx and forward would apply for the updated guidelines dated xxx. \*Loan was locked on xxx, prior to xxx; it would fall on guidelines prior to xxx - Seller-07/19/2022 | Acknowledged-Investor Exception issued to allow for use of guidelines prior to xxx revision, with LTV/CLTV of 80% and 3 months' PITIA. - Due Diligence Vendor-09/14/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Excellent credit history with minimal use of credit; Excessive reserves; 24+ month housing history reviewed with no late payments | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003056 |  | C B A | Closed | FCRE1196 | 2022-07-15 13:25 | 2022-09-14 13:15 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Investor Exception issued to allow for use of guidelines prior to xxx revision, with LTV/CLTV of 80% and 3 months' PITIA. - Due Diligence Vendor-09/14/2022 <br> Ready for Review-Document Uploaded. - Seller-09/14/2022 <br> Counter-Revised Investor Guidelines Dated xxx indicates an Effective Date of xxx, which matches the day application was taken per initial 1003 and disclosure package. If updated policy did not take effect until xxx, please provide evidence of same as this does not match the matrix provided to the due diligence firm. If new restriction was truly in place on the day of application, please provide an Investor Exception to allow 5% LTV/CLTV lift. - Due Diligence Vendor-07/20/2022 <br> Ready for Review-Per UW; all locks xxx and forward would apply for the updated guidelines dated xxx. \*Loan was locked on xxx, prior to xxx; it would fall on guidelines prior to xxx - Seller-07/19/2022 <br> Open-Per guidelines dated xxx, the maximum HCLTV is 75% - Due Diligence Vendor-07/15/2022 <br> Open-Audited HCLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-07/15/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022 <br> Ready for Review-Per UW; all locks xxx and forward would apply for the updated guidelines dated xxx. \*Loan was locked on xxx, prior to xxx; it would fall on guidelines prior to xxx - Seller-07/19/2022 | Acknowledged-Investor Exception issued to allow for use of guidelines prior to xxx revision, with LTV/CLTV of 80% and 3 months' PITIA. - Due Diligence Vendor-09/14/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Excellent credit history with minimal use of credit; Excessive reserves; 24+ month housing history reviewed with no late payments | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003127 |  | C B A | Closed | FCRE1195 | 2022-08-05 14:32 | 2022-09-14 14:25 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Investor Exception issued to allow for use of prior guidelines with LTV/CLTV of 80% and 3 months' PITIA reserve requirement. - Due Diligence Vendor-09/14/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender stated in 1008 that they used app date of 6/13 but the loan ltv terms are not consistent with the guidelines used - Due Diligence Vendor-08/05/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Acknowledged-Investor Exception issued to allow for use of prior guidelines with LTV/CLTV of 80% and 3 months' PITIA reserve requirement. - Due Diligence Vendor-09/14/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years | Excellent credit history; excess reserves (35 months' PITIA vs. required 3); qualifying FICO is 158 points higher than minimum of 600 | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003127 |  | C B A | Closed | FCRE1194 | 2022-08-05 14:32 | 2022-09-14 14:25 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Investor Exception issued to allow for use of prior guidelines with LTV/CLTV of 80% and 3 months' PITIA reserve requirement. - Due Diligence Vendor-09/14/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 70% Lender stated in 1008 that they used app date of 6/13 but the loan ltv terms are not consistent with the guidelines used - Due Diligence Vendor-08/05/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Acknowledged-Investor Exception issued to allow for use of prior guidelines with LTV/CLTV of 80% and 3 months' PITIA reserve requirement. - Due Diligence Vendor-09/14/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years | Excellent credit history; excess reserves (35 months' PITIA vs. required 3); qualifying FICO is 158 points higher than minimum of 600 | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003127 |  | C B A | Closed | FCRE1196 | 2022-08-05 14:32 | 2022-09-14 14:24 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Investor Exception issued to allow for use of prior guidelines with LTV/CLTV of 80% and 3 months' PITIA reserve requirement. - Due Diligence Vendor-09/14/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Lender stated in 1008 that they used app date of 6/13 but the loan ltv terms are not consistent with the guidelines used - Due Diligence Vendor-08/05/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Acknowledged-Investor Exception issued to allow for use of prior guidelines with LTV/CLTV of 80% and 3 months' PITIA reserve requirement. - Due Diligence Vendor-09/14/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years | Excellent credit history; excess reserves (35 months' PITIA vs. required 3); qualifying FICO is 158 points higher than minimum of 600 | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 100003127 |  | C B A | Closed | FCOM8228 | 2022-08-05 16:53 | 2022-08-09 11:30 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Escrow Account Initial Monthly Escrow Payment (Page 4) calculation is not accurate | Resolved-Received missing page of the Final CD. - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. - Seller-08/08/2022 <br>Open-Missing page 4 of executed final CD. - Due Diligence Vendor-08/05/2022 | Ready for Review-Document Uploaded. - Seller-08/08/2022<br>| Resolved-Received missing page of the Final CD. - Due Diligence Vendor-08/09/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003129 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003131 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003126 |  | B A | Closed | FCRE1198 | 2023-02-07 18:02 | 2023-02-07 18:03 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Client provided guideline exception for reserves less than required. See comp factors. - Due Diligence Vendor-02/07/2023 <br>Open-Audited Reserves of 10.42 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-02/07/2023 |  | Acknowledged-Client provided guideline exception for reserves less than required. See comp factors. - Due Diligence Vendor-02/07/2023<br>|  | 1. Qualifying FICO of 752 is 152 points higher than the minimum FICO of 600.<br> 2. 24+ months housing history reviewed with no late payments |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 100003125 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003049 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003130 |  | B A | Closed | FPRO1245 | 2022-09-22 12:45 | 2022-09-27 08:43 | Acknowledged | 2 - Non-Material B | Property | Appraisal | Appraisal is Expired | Acknowledged-Primary Value Appraisal is Expired: recertification of value provided in file along with xxx Exception to allow for extension of valuation eligibility. - Due Diligence Vendor-09/27/2022 |  | Acknowledged-Primary Value Appraisal is Expired: recertification of value provided in file along with CHM Exception to allow for extension of valuation eligibility. - Due Diligence Vendor-09/27/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Excellent credit history- minimal use of consumer credit; minimal to no payment shock; over eight years' evidenced in managing finances with 0x30 lates. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| 100003130 |  | B A | Closed | FCOM1262 | 2022-09-22 18:02 | 2022-09-26 16:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided. \*\*received executed NORTC - Due Diligence Vendor-09/26/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-Right of Rescission is Missing \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*It appears the Right of Rescission Disclosure was not located in file\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* - Due Diligence Vendor-09/22/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-Right of Rescission is Provided. \*\*received executed NORTC - Due Diligence Vendor-09/26/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 100003132 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003050 |  | D A | Closed | FCRE1241 | 2022-09-29 11:08 | 2022-10-03 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Open-Purchase Contract Is Missing Not present in the file - Due Diligence Vendor-09/29/2022 | Ready for Review-Document Uploaded. - Seller-09/30/2022<br>| Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-10/03/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.95 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003133 |  | D A | Closed | FCRE1158 | 2022-09-30 11:35 | 2022-10-10 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Updated, completed copy of Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-10/10/2022 <br>Ready for Review-Document Uploaded. - Seller-10/07/2022 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Insurance binder provided does not list the policy number - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. - Seller-10/07/2022<br>| Resolved-Updated, completed copy of Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-10/10/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.17 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003134 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003074 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003140 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003083 |  | D A | Closed | FCRE1158 | 2022-10-07 11:05 | 2022-10-13 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Received updated policy, meets guidelines. Condition cleared. - Due Diligence Vendor-10/13/2022 <br> Ready for Review-Document Uploaded. Updated policy attached. - Seller-10/13/2022 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. effective and expiration date are the same xxx, please provide updated policy. - Due Diligence Vendor-10/07/2022 | Ready for Review-Document Uploaded. Updated policy attached. - Seller-10/13/2022<br>| Resolved-Received updated policy, meets guidelines. Condition cleared. - Due Diligence Vendor-10/13/2022<br>|  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003088 |  | C A | Closed | FCRE1501 | 2022-10-07 09:39 | 2022-10-10 12:03 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Updated driver's license provided issued prior to closing date. - Due Diligence Vendor-10/10/2022 <br>Ready for Review-Document Uploaded. - Seller-10/07/2022 <br>Open-USA Patriot Act disclosure reflects the borrowers divers license was expired at the time of closing. Valid ID information not provided. - Due Diligence Vendor-10/07/2022 | Ready for Review-Document Uploaded. - Seller-10/07/2022<br>| Resolved-Updated driver's license provided issued prior to closing date. - Due Diligence Vendor-10/10/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.74 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003080 |  | D A | Closed | FCRE1241 | 2022-10-07 13:13 | 2022-10-11 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Complete build contract provided at resubmission. - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. - Seller-10/11/2022 <br>Open-Purchase Contract Is Missing Not present in the file - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. - Seller-10/11/2022<br>| Resolved-Complete build contract provided at resubmission. - Due Diligence Vendor-10/11/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.58 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003137 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 100003082 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003143 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003135 |  | D A C | Closed | FCRE1118 | 2022-10-14 12:22 | 2022-10-19 09:09 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Received executed deed of trust. The signature matches the Note. - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Counter-Please provide executed and notarized Security Instrument to complete comparison- only the Note has been attached. - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open-Borrower 1 Signature does not match Note note and mortgage unexecuted - Borrower 1 Signature does not match Note - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Resolved-Received executed deed of trust. The signature matches the Note. - Due Diligence Vendor-10/19/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.83 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003135 |  | D A C | Closed | FCOM1223 | 2022-10-17 10:03 | 2022-10-19 09:07 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Open-The Deed of Trust is Not Executed - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. - Seller-10/18/2022<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/19/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.83 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003135 |  | D A C | Closed | FCOM1207 | 2022-10-14 12:19 | 2022-10-18 09:55 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-Received executed Note document - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open-The Note is Not Executed - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Resolved-Received executed Note document - Due Diligence Vendor-10/18/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.83 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003135 |  | D A C | Closed | FCOM1232 | 2022-10-14 12:29 | 2022-10-17 19:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open-The Final 1003 is Missing Final executed 1003 is not located in the file. - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-10/17/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.83 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003081 |  | D A C | Closed | FPRO1136 | 2022-10-17 12:42 | 2022-10-31 07:59 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-1004D affirming completion of the subject provided at resubmission. - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. 1004D attached, thank you! - Seller-10/28/2022 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Completion report missing from the file - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. 1004D attached, thank you! - Seller-10/28/2022<br>| Resolved-1004D affirming completion of the subject provided at resubmission. - Due Diligence Vendor-10/31/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003081 |  | D A C | Closed | FCRE1241 | 2022-10-17 12:42 | 2022-10-18 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Received purchase contract, meets guideline requirements. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Open-Purchase Contract Is Missing Not present in the file - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. - Seller-10/18/2022<br>| Resolved-Received purchase contract, meets guideline requirements. - Due Diligence Vendor-10/18/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003145 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003052 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003141 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003146 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003149 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003158 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003159 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003154 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003151 |  | C A | Closed | FCRE1159 | 2022-10-28 13:06 | 2022-11-01 18:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Verified Hazard Insurance Effective Date of xxx is prior to the Disbursement Date of xxx as confirmed with PCCD provided at resubmission. - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. - Seller-11/01/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-10/28/2022 | Ready for Review-Document Uploaded. - Seller-11/01/2022<br>| Resolved-Verified Hazard Insurance Effective Date of xxx is prior to the Disbursement Date of xxx as confirmed with PCCD provided at resubmission. - Due Diligence Vendor-11/01/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.55 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003148 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003157 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003156 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003150 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003161 |  | A | Closed | finding-3526 | 2022-11-07 13:59 | 2022-11-09 12:51 | Resolved | 1 - Information A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. \*\*\*\*\*Revised LE estimated receipt date (unsigned) is less than 4 business days prior to the consummation date. Revised LE receipt date confirmation is needed. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.514832298136646<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.78% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.62 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003161 |  | A | Closed | finding-3631 | 2022-11-07 13:59 | 2022-11-09 12:51 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-\*\*\*\*\*COC entered for increase in Points is invalid, as the Revised LE estimated receipt date (unsigned) is less than 4 business days prior to the consummation date. Revised LE receipt date confirmation is needed. - Due Diligence Vendor-11/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.514832298136646<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.78% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.62 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003161 |  | A | Closed | finding-3632 | 2022-11-07 13:59 | 2022-11-09 12:51 | Resolved | 1 - Information A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-\*\*\*\*\*COC entered for increase in Points is invalid, as the Revised LE estimated receipt date (unsigned) is less than 4 business days prior to the consummation date. Revised LE receipt date confirmation is needed. - Due Diligence Vendor-11/07/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.514832298136646<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.78% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.62 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003161 |  | A | Closed | finding-3634 | 2022-11-07 13:59 | 2022-11-09 12:51 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-\*\*\*\*\*COC entered for increase in Points is invalid, as the Revised LE estimated receipt date (unsigned) is less than 4 business days prior to the consummation date. Revised LE receipt date confirmation is needed. - Due Diligence Vendor-11/07/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Received Document History confirming LE received 10/25/2022 - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.514832298136646<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.78% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.62 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003174 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003190 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003165 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003166 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003172 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003155 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003170 |  | D A | Closed | FCRE5771 | 2022-11-09 12:36 | 2022-11-21 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/21/2022 <br>Open-Borrower 2 Credit Report is Missing. Note shows both parties signed however no co-borrower credit report was provided. - Due Diligence Vendor-11/09/2022 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/21/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.19 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003167 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003169 |  | D A | Closed | FCOM1621 | 2022-11-14 12:36 | 2022-11-18 08:07 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. - Seller-11/18/2022<br>| Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-11/18/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003169 |  | D A | Closed | FCOM1220 | 2022-11-11 11:25 | 2022-11-16 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/16/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003169 |  | D A | Closed | FCOM1232 | 2022-11-11 11:35 | 2022-11-15 11:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-The Final 1003 is Missing Provide final 1003 executed by the borrower. At the time of review only the initial 1003 was provided. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-11/15/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003175 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003185 |  | D A | Closed | FCOM1544 | 2022-11-14 12:23 | 2022-11-16 08:54 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided \*\*received copy of Final CD with all pages. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*Page 5 of the final CD containing loan calculations not located within the loan file. Compliance review incomplete until minimum documents required to complete review are received. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-TRID: Final Closing Disclosure Provided \*\*received copy of Final CD with all pages. - Due Diligence Vendor-11/16/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.48 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003177 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003200 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003075 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003087 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003152 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003077 |  | D A | Closed | FCOM1281 | 2022-11-21 10:26 | 2022-12-06 15:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Collateral Protection Notice is Partially Provided | Resolved-Collateral Protection Notice is Present - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Counter-Received unexecuted copy. Please provide the borrower executed copy of the disclosure. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-Collateral Protection Notice is Partially Provided \*\*\*\*\*Document on page 218 appears cut-off prior to signature - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Collateral Protection Notice is Present - Due Diligence Vendor-12/06/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003077 |  | D A | Closed | finding-3631 | 2022-11-21 10:29 | 2022-11-28 16:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Initial CD with all pages - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Counter-Received copy of initial LE. We are needing a copy of the Initial Closing Disclosure issued 11/7/2022 with all pages. Copy in the file is missing pages 2 and 3. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-\*\*\*\*\*Initial CD on page 101 is missing pages 2-3. Pages are needed for accurate fee entries and Compliance Ease results. - Due Diligence Vendor-11/21/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Received Initial CD with all pages - Due Diligence Vendor-11/28/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003077 |  | D A | Closed | finding-3632 | 2022-11-21 10:29 | 2022-11-28 16:49 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Initial CD with all pages - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Counter-Received copy of initial LE. We are needing a copy of the Initial Closing Disclosure issued 11/7/2022 with all pages. Copy in the file is missing pages 2 and 3. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-\*\*\*\*\*Initial CD on page 101 is missing pages 2-3. Pages are needed for accurate fee entries and Compliance Ease results. - Due Diligence Vendor-11/21/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Received Initial CD with all pages - Due Diligence Vendor-11/28/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003077 |  | D A | Closed | finding-3635 | 2022-11-21 10:29 | 2022-11-28 16:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial CD with all pages - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Counter-Received copy of initial LE. We are needing a copy of the Initial Closing Disclosure issued 11/7/2022 with all pages. Copy in the file is missing pages 2 and 3. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-\*\*\*\*\*Initial CD on page 101 is missing pages 2-3. Pages are needed for accurate fee entries and Compliance Ease results. - Due Diligence Vendor-11/21/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Received Initial CD with all pages - Due Diligence Vendor-11/28/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003059 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003184 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003060 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003164 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003171 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003153 |  | B A | Closed | FCOM1270 | 2022-11-30 17:05 | 2022-11-30 17:34 | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date ARM disclosure finding - EV2 per CLO - Due Diligence Vendor-11/30/2022 |  | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date ARM disclosure finding - EV2 per CLO - Due Diligence Vendor-11/30/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.48581443298969074<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 100003160 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003168 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003053 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 100003069 |  | D A | Closed | FCOM1227 | 2022-12-01 12:35 | 2022-12-06 14:38 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD Rider provided. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-Required PUD rider not present in the file - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-PUD Rider provided. - Due Diligence Vendor-12/06/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.71 Are Greater Than The Guideline Minimum Of 16 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003069 |  | D A | Closed | FCOM9469 | 2022-12-01 11:18 | 2022-12-06 14:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage Missing required ARM Rider | Resolved-ARM Rider provided. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-Required ARM rider not present in the file - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-ARM Rider provided. - Due Diligence Vendor-12/06/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.71 Are Greater Than The Guideline Minimum Of 16 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003142 |  | D B A | Closed | FCOM1224 | 2022-12-02 12:20 | 2022-12-06 14:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-Condo Rider provided. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. Sorry about that grabbed the wrong document - Seller-12/05/2022 <br>Counter-Condition is requesting the Condo Rider to the Security Instrument- attachment is the questionnaire for the project. Please provide all pages to the Rider itself. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-Condo Rider is Missing - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. Sorry about that grabbed the wrong document - Seller-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-Condo Rider provided. - Due Diligence Vendor-12/06/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 712 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| 100003142 |  | D B A | Closed | FCOM9469 | 2022-12-01 14:07 | 2022-12-06 14:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage Missing required ARM Rider | Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-Deed of Trust is Missing Adjustable Rate Rider Missing ARM rider attachment to mortgage. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-12/06/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 712 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| 100003142 |  | D B A | Closed | FVAL1310 | 2022-12-01 13:05 | 2022-12-05 07:34 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Condo questionnaire provided at resubmission affirming all standard requirements for small developments have ben met. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-Condo questionnaire provided at resubmission affirming all standard requirements for small developments have ben met. - Due Diligence Vendor-12/05/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 712 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| 100003142 |  | D B A | Closed | FCOM1270 | 2022-12-02 11:45 | 2022-12-02 11:45 | Acknowledged | 2 - Non-Material B | Compliance | Disclosures (Federal, State, and Data Dependent) | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-12/02/2022 |  | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-12/02/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 712 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| 100003162 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003199 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003201 |  | C A | Closed | finding-3532 | 2022-12-02 13:14 | 2022-12-12 19:29 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial cd - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Counter-Received Initial CD, please disclosure tracking information as evidence document was provided to the borrower at least 3 business days prior to consummation. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\* Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to consummation date (11.16.22) - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-Received initial cd - Due Diligence Vendor-12/13/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.4320849404835967<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003202 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003062 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003089 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003176 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003189 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003203 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003068 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003078 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003188 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003192 |  | C B A | Closed | finding-3631 | 2022-12-06 12:25 | 2022-12-12 19:51 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Counter-Received PCCD and LOE. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/13/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003192 |  | C B A | Closed | finding-3632 | 2022-12-06 12:25 | 2022-12-12 19:51 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Counter-Received PCCD and LOE. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/13/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003192 |  | C B A | Closed | finding-3634 | 2022-12-06 12:25 | 2022-12-12 19:51 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Counter-Received PCCD and LOE. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). $XXXXX Appraisal Management (Appraisal Admin fee) per Final CD was not disclosed with initial loan charges - exceeds tolerance baseline for Sec B fees - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/13/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.43 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003221 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003222 |  | C A | Closed | finding-3532 | 2022-12-06 13:45 | 2022-12-12 19:06 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*No CD issued to borrower at least 3 days prior to consummation located in loan file. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-12/13/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003226 |  | C A | Closed | finding-3532 | 2022-12-06 12:27 | 2022-12-12 19:11 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-received initial cd - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*No CD located in loan file issued to the borrower at least 3 business days prior to consummation date. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-received initial cd - Due Diligence Vendor-12/13/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.15 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003061 |  | D A C | Closed | FCRE1491 | 2022-12-06 15:57 | 2022-12-09 10:50 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Business license provided confirming third borrower is sole registered owner of the business and thus has unrestricted access to funds needed for cash to close and reserves. - Due Diligence Vendor-12/09/2022 <br> Ready for Review-Document Uploaded. - Seller-12/07/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Assets held by xxx were required to meet the reserve requirement. Missing documentation support ownership of business to allow use of the funds. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Resolved-Business license provided confirming third borrower is sole registered owner of the business and thus has unrestricted access to funds needed for cash to close and reserves. - Due Diligence Vendor-12/09/2022<br>|  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003061 |  | D A C | Closed | FCOM1229 | 2022-12-06 16:58 | 2022-12-07 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Received 1-4 Family Rider - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Resolved-Received 1-4 Family Rider - Due Diligence Vendor-12/07/2022<br>|  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003084 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003128 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003178 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003181 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003208 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003072 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003090 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003144 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| 100003191 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003067 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003136 |  | D A | Closed | FCOM1220 | 2022-12-12 14:31 | 2022-12-14 19:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. \*\*Received DOT - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-The Deed of Trust is Missing Deed is missing - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-The Deed of Trust is Present. \*\*Received DOT - Due Diligence Vendor-12/15/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.446728624535316<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3408 | 2022-12-13 13:01 | 2022-12-21 16:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br> Counter-Pending receipt of proof of undiscounted rate - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. - Seller-12/21/2022 <br> Counter-Received cure for the Appraisal Admin Fee. The cure does not resolve the High-Cost findings, loan is still failing the High-Cost Mortgage Points and Fees Threshold Test because the loan's total points and fees exceed the threshold of 5% of the total loan amount ($XXXXX) by $XXXXX. - Due Diligence Vendor-12/20/2022 <br> Ready for Review-Document Uploaded. - Seller-12/15/2022 <br> Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. High-Cost findings will not resolve with cure. High-Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. PCCD indicates that the Appraisal Fee was paid to Change Appraisals for benefit of XXXXX. Lender to provide evidence (such as invoice or payment ledger) that fee was paid to third party XXXXX. - Due Diligence Vendor-12/15/2022 <br> Ready for Review-Document Uploaded. - Seller-12/14/2022 <br> Open-\*\*\*\*\*Loan is reaching High Cost due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. - Due Diligence Vendor-12/13/2022 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Resolved - Due Diligence Vendor-12/21/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3631 | 2022-12-13 13:01 | 2022-12-21 16:55 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*Appraisal Admin Fee (added on Final CD) was not disclosed prior and exceeds TRID tolerance for Sec B - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3634 | 2022-12-13 13:01 | 2022-12-21 16:55 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Appraisal Admin Fee (added on Final CD) was not disclosed prior and exceeds TRID tolerance for Sec B - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br>Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3393 | 2022-12-13 13:01 | 2022-12-21 16:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br> Counter-Pending receipt of proof of undiscounted rate - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. - Seller-12/21/2022 <br> Counter-Received cure for the Appraisal Admin Fee. The cure does not resolve the High-Cost findings, loan is still failing the High-Cost Mortgage Points and Fees Threshold Test because the loan's total points and fees exceed the threshold of 5% of the total loan amount ($XXXXX) by $XXXXX. - Due Diligence Vendor-12/20/2022 <br> Ready for Review-Document Uploaded. - Seller-12/15/2022 <br> Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. High-Cost findings will not resolve with cure. High-Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. PCCD indicates that the Appraisal Fee was paid to Change Appraisals for benefit of XXXXX. Lender to provide evidence (such as invoice or payment ledger) that fee was paid to third party XXXXX. - Due Diligence Vendor-12/15/2022 <br> Ready for Review-Document Uploaded. - Seller-12/14/2022 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $XXXXX or more, and the transaction's total points and fees is $XXXXX, which exceeds 5 percent of the total loan amount of $XXXXX; or The loan amount is less than $XXXXX and the transaction's total points and fees is $XXXXX, which exceeds the lesser of 8 percent of the total loan amount of $XXXXX or $XXXXX. \*\*\*\*\*Loan exceeds HOEPA Sec 32 High Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Resolved - Due Diligence Vendor-12/21/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3399 | 2022-12-13 13:01 | 2022-12-21 16:55 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br> Counter-\*\*\*Pending receipt of proof of undiscounted rate - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. - Seller-12/21/2022 <br> Counter-Received cure for the Appraisal Admin Fee. The cure does not resolve the High-Cost findings, loan is still failing the High-Cost Mortgage Points and Fees Threshold Test because the loan's total points and fees exceed the threshold of 5% of the total loan amount ($XXXXX) by $XXXXX. - Due Diligence Vendor-12/20/2022 <br> Ready for Review-Document Uploaded. - Seller-12/15/2022 <br> Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. High-Cost findings will not resolve with cure. High-Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. PCCD indicates that the Appraisal Fee was paid to Change Appraisals for benefit of XXXXX. Lender to provide evidence (such as invoice or payment ledger) that fee was paid to third party XXXXX. - Due Diligence Vendor-12/15/2022 <br> Ready for Review-Document Uploaded. - Seller-12/14/2022 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. \*\*\*\*\*Loan exceeds HOEPA Sec 32 High Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Resolved - Due Diligence Vendor-12/21/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3406 | 2022-12-13 13:01 | 2022-12-21 16:55 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Resolved - Due Diligence Vendor-12/21/2022 <br> Counter-Pending receipt of proof of undiscounted rate - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. - Seller-12/21/2022 <br> Counter-Received cure for the Appraisal Admin Fee. The cure does not resolve the High-Cost findings, loan is still failing the High-Cost Mortgage Points and Fees Threshold Test because the loan's total points and fees exceed the threshold of 5% of the total loan amount ($XXXXX) by $XXXXX. - Due Diligence Vendor-12/20/2022 <br> Ready for Review-Document Uploaded. - per National Closing Manager: IF the Appraisal fee is paid to the Appraiser and we pay the ADMIN fee to the affiliate – No high cost fail.. they can review our mavant it passes, or XXXXX or XXXXX can send an email to them explaining <br> As for the FBO VVerbiage.. that means… WE withheld the money to pay the appraisal this is very standard verbiage in wholesale TPO Transactions. <br> - Seller-12/15/2022 <br> Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. High-Cost findings will not resolve with cure. High-Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. PCCD indicates that the Appraisal Fee was paid to Change Appraisals for benefit of XXXXX. Lender to provide evidence (such as invoice or payment ledger) that fee was paid to third party XXXXX. - Due Diligence Vendor-12/15/2022 <br> Ready for Review-Document Uploaded. - Seller-12/14/2022 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. \*\*\*\*\*Loan exceeds HOEPA Sec 32 High Cost points and fees threshold due to Appraisal Fee and Appraisal Reinspection Fee being payable to an affiliate of the lender. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022 <br> Ready for Review-Document Uploaded. - per National Closing Manager: IF the Appraisal fee is paid to the Appraiser and we pay the ADMIN fee to the affiliate – No high cost fail.. they can review our mavant it passes, or XXXXX or XXXXX can send an email to them explaining <br> As for the FBO VVerbiage.. that means… WE withheld the money to pay the appraisal this is very standard verbiage in wholesale TPO Transactions. <br> - Seller-12/15/2022 <br> Ready for Review-Document Uploaded. - Seller-12/14/2022 | Resolved-Resolved - Due Diligence Vendor-12/21/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003163 |  | C B A | Closed | finding-3632 | 2022-12-13 13:01 | 2022-12-21 16:53 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Counter-Received PCCD, LOE, and check request to resolve Charges that cannot increase finding due to Appraisal Admin Fee. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*Appraisal Admin Fee (added on Final CD) was not disclosed prior and exceeds TRID tolerance for Sec B - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-12/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003180 |  | C A | Closed | finding-3532 | 2022-12-13 15:48 | 2022-12-15 19:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-12/16/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*No Closing Disclosure issued 3 or more business days prior to consummation was found in file. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-12/16/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.62 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003213 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003218 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003219 |  | D A | Closed | FCRE1145 | 2022-12-12 13:12 | 2022-12-14 07:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Commitment provided at resubmission. Confirmed payoff items listed on Seller CD on page 184. - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Title Document is missing Provide title with satisfactory chain for 24 months for subject property transaction as it was not provided at the time of review. - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Title Commitment provided at resubmission. Confirmed payoff items listed on Seller CD on page 184. - Due Diligence Vendor-12/14/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.522875 |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003228 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003232 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003234 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003235 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003057 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003210 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003217 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA |  |  |
| 100003193 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003196 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003439 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003216 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003066 |  | A | Closed | FCOM1220 | 2022-12-15 08:51 | 2022-12-19 16:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. \*\*received - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022<br>| Resolved-The Deed of Trust is Present. \*\*received - Due Diligence Vendor-12/19/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.64 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003071 |  | D A | Closed | FCOM1220 | 2022-12-15 07:10 | 2022-12-20 10:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/20/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.5475 |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003179 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003206 |  | D A | Closed | FCOM1220 | 2022-12-14 15:36 | 2022-12-20 10:35 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/14/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/20/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.33% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003139 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003215 |  | D A | Closed | FCOM1224 | 2022-12-22 11:48 | 2022-12-23 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-Received Condo rider - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Counter-Unable to open document, please re-upload. - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-Received Mortgage without rider. Missing Condo Rider. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Received Condo rider - Due Diligence Vendor-12/23/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.46 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003215 |  | D A | Closed | FCOM1220 | 2022-12-16 15:07 | 2022-12-23 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Counter-Unable to open the uploaded document. Please re-upload. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/22/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.46 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003231 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003182 |  | C A | Closed | finding-3631 | 2022-12-16 11:07 | 2022-12-20 12:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received COC and revised CD - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-\*\*\*\*\*Missing COC for increase in Points - Loan Discount Fee. - Due Diligence Vendor-12/16/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-Received COC and revised CD - Due Diligence Vendor-12/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 695 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.49% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.4545155633494082<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003182 |  | C A | Closed | finding-3632 | 2022-12-16 11:07 | 2022-12-20 12:40 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC and revised CD - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-\*\*\*\*\*Missing COC for increase in Points - Loan Discount Fee. - Due Diligence Vendor-12/16/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-Received COC and revised CD - Due Diligence Vendor-12/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 695 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.49% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.4545155633494082<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003182 |  | C A | Closed | finding-3634 | 2022-12-16 11:07 | 2022-12-20 12:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC and revised CD - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Missing COC for increase in Points - Loan Discount Fee per Final CD dated 12.7.22 - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-Received COC and revised CD - Due Diligence Vendor-12/20/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 695 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.49% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.4545155633494082<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003211 |  | C A | Closed | FCRE4963 | 2022-12-16 11:24 | 2022-12-21 07:39 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Disbursal Agreement provided at resubmission, confirming proceeds requirement has been met. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Final CD reflects "Former Spouse Buy Out" for $XXXXX however, no payoff was provided or any agreement for said payoff. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Disbursal Agreement provided at resubmission, confirming proceeds requirement has been met. - Due Diligence Vendor-12/21/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.5470338983050848<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 692 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003223 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003209 |  | C A | Closed | finding-3532 | 2022-12-19 10:37 | 2022-12-20 16:45 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*No Initial Closing Disclosure received 3 or more business days prior to consummation found in file. Per disclosure tracking on page 208, the Initial CD appears to have been issued on 12/2/2022; however it is not located in the loan file. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/19/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-12/20/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.81 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003091 |  | D A | Closed | FCOM1220 | 2022-12-20 10:12 | 2022-12-22 16:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present received dot - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022<br>| Resolved-The Deed of Trust is Present received dot - Due Diligence Vendor-12/22/2022<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003212 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003225 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003227 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003233 |  | C A | Closed | FCRE1505 | 2022-12-19 14:54 | 2022-12-20 11:36 | Resolved | 1 - Information C A | Credit | Insurance | Insurance Document(s) Do Not Meet Guideline Requirements | Resolved-Updated insurance policy declarations page provided at resubmission. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Mortgagee Clause is not in Lender name - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Updated insurance policy declarations page provided at resubmission. - Due Diligence Vendor-12/20/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.4% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.23 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003244 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003204 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003224 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003173 |  | C A | Closed | FCOM1264 | 2022-12-21 13:11 | 2022-12-22 17:03 | Resolved | 1 - Information C A | Compliance | TILA | Right of Rescission is Not Executed | Resolved-Right of Rescission is Executed - Due Diligence Vendor-12/22/2022 <br>Resolved-Right of Rescission is Executed - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Open-Right of Rescission is Not Executed Notice of Right to Cancel for both borrowers is located in the loan file; however, neither document has the borrower or co-borrower's signature. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022<br>| Resolved-Right of Rescission is Executed - Due Diligence Vendor-12/22/2022 <br>Resolved-Right of Rescission is Executed - Due Diligence Vendor-12/22/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.94% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 100003173 |  | C A | Closed | FCOM1223 | 2022-12-21 09:29 | 2022-12-22 16:57 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-Received DOT - Due Diligence Vendor-12/22/2022 <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Open-The Deed of Trust is Not Executed Provide the executed Deed of Trust with Notarization as it was not provided at the time of review. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022<br>| Resolved-Received DOT - Due Diligence Vendor-12/22/2022 <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-12/22/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.94% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 100003214 |  | C A | Closed | finding-3631 | 2022-12-21 16:26 | 2022-12-23 10:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received initial CD - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Loan file does is missing the Initial CD. Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing date. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-12/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.34710526315789475<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003214 |  | C A | Closed | finding-3632 | 2022-12-21 16:26 | 2022-12-23 10:58 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received initial CD - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Original file does is missing the Initial CD. Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing date. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-12/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.34710526315789475<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003214 |  | C A | Closed | finding-3634 | 2022-12-21 16:26 | 2022-12-23 10:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received initial CD - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Loan file does is missing the Initial CD. Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing date. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-12/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.34710526315789475<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003214 |  | C A | Closed | finding-3532 | 2022-12-21 16:26 | 2022-12-23 10:58 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*Loan file does is missing the Initial CD. Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing date. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-12/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.34710526315789475<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003253 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003207 |  | D A | Closed | FCOM1220 | 2022-12-21 15:09 | 2022-12-27 16:58 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.6 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.13% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003256 |  | C A | Closed | finding-47 | 2022-12-22 14:57 | 2023-01-03 16:43 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with updated Disbursement date - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*The funding date is before the third business day following consummation. Confirmation of funding date is needed. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-Received PCCD with updated Disbursement date - Due Diligence Vendor-01/03/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.5448710916072408 |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003076 |  | D A | Closed | FCOM1220 | 2022-12-22 11:38 | 2022-12-27 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-The Deed of Trust is Missing Missing the mortgage - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003220 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003186 |  | D A | Closed | finding-47 | 2022-12-27 15:47 | 2023-01-03 15:28 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD and Final Settlement Statement - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*The funding date is before the third business day following consummation. Borrower received Right to Cancel on 12.8.22 - with 12.12.22 identified as the last day of the borrower's 3 day cooling period. Per Final CD, loan funds were disbursed on same date (12.12.22). Lender to provide confirmation of funding date. - Due Diligence Vendor-12/27/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-Received PCCD and Final Settlement Statement - Due Diligence Vendor-01/03/2023<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003186 |  | D A | Closed | FCOM1220 | 2022-12-27 12:42 | 2023-01-03 13:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. \*\*Received DOT - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-The Deed of Trust is Missing Mortgage is missing. - Due Diligence Vendor-12/27/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-The Deed of Trust is Present. \*\*Received DOT - Due Diligence Vendor-01/03/2023<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003194 |  | D A | Closed | FCOM1232 | 2022-12-27 12:35 | 2023-01-13 12:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/13/2023 <br>Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-The Final 1003 is Missing Missing the final 1003, used initial 1003 for application ionformation. - Due Diligence Vendor-12/27/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-01/13/2023 <br>Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/29/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003237 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003242 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003093 |  | C A | Closed | finding-3631 | 2022-12-29 12:48 | 2023-01-03 21:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received initial CD - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*Loan closed on 12/14/2022 No Initial CD located within the file to address third party fees that moved from Section C to Section B on Final CD. - Due Diligence Vendor-12/29/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-01/04/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003093 |  | C A | Closed | finding-3632 | 2022-12-29 12:48 | 2023-01-03 21:56 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received initial CD - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*Loan closed on 12/14/2022 No Initial CD located within the file to address third party fees that moved from Section C to Section B on Final CD. - Due Diligence Vendor-12/29/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-01/04/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003093 |  | C A | Closed | finding-3635 | 2022-12-29 12:48 | 2023-01-03 21:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received initial CD - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*\*Loan closed on 12/14/2022 No Initial CD located within the file to address third party fees that moved from Section C to Section B on Final CD. - Due Diligence Vendor-12/29/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Received initial CD - Due Diligence Vendor-01/04/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003093 |  | C A | Closed | finding-3532 | 2022-12-29 12:48 | 2023-01-03 21:38 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\* No evidence in file of initial CD provided to borrower at least (3) three business days prior to consummation. Lender to provide copy of Initial CD issued to the borrower at least 3 business days prior closing date of 12/14/2022- as required per TRID regulation. - Due Diligence Vendor-12/29/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/04/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003205 |  | D A | Closed | FCOM1262 | 2022-12-29 16:03 | 2023-01-03 21:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided. \*\*received - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-Right of Rescission is Missing \*\*\*\*\*Notice of Right to Cancel not located within loan file. - Due Diligence Vendor-12/29/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Right of Rescission is Provided. \*\*received - Due Diligence Vendor-01/04/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals null<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.75% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003246 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003248 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003252 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003198 |  | C A | Closed | finding-3631 | 2022-12-30 15:05 | 2023-01-04 22:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Revised CDs and COCs - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Final CD showed an increased in mortgage broker fee and settlement fees moved from Section C to B - on Final CD. No Initial CD, COC, or lender credit located in loan file to address such changes in loan fees. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Received Revised CDs and COCs - Due Diligence Vendor-01/05/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003198 |  | C A | Closed | finding-3632 | 2022-12-30 15:05 | 2023-01-04 22:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Revised CDs and COCs - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Final CD showed an increased in mortgage broker fee and settlement fees moved from Section C to B - on Final CD. No Initial CD, COC, or lender credit located in loan file to address such changes in loan fees. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Received Revised CDs and COCs - Due Diligence Vendor-01/05/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003198 |  | C A | Closed | finding-3634 | 2022-12-30 15:05 | 2023-01-04 22:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received Revised CDs and COCs - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Mortgage broker fee increased by $XXXXXon Final CD. No valid COC located in loan file to support increase in charges to borrower.<br> - Due Diligence Vendor-12/30/2022 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Received Revised CDs and COCs - Due Diligence Vendor-01/05/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003198 |  | C A | Closed | finding-3532 | 2022-12-30 15:05 | 2023-01-04 22:05 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial and Revised CDs - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. <br> \*\*\*\*\*\*\* No CD located within the file issued to the borrower at least 3 business days prior to 12/15/22 closing. No evidence in file Initial CD was provided at least three (3) business days prior to consummation -- per TRID regulations. - Due Diligence Vendor-12/30/2022 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Received Initial and Revised CDs - Due Diligence Vendor-01/05/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003198 |  | C A | Closed | finding-3635 | 2022-12-30 15:05 | 2023-01-04 22:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial and Revised CDs - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Settlement fees moved from Section C to B - on Final CD. No Initial CD located in loan file disclosing change in fee tolerance at least three (3) business days prior to loan closing on 12.15.22 - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Received Initial and Revised CDs - Due Diligence Vendor-01/05/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.13% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003250 |  | D A | Closed | FCRE1241 | 2022-12-30 15:01 | 2023-01-04 07:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. This was in the shipped loan file. Please escalate. - Seller-01/03/2023 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-12/30/2022 | Ready for Review-Document Uploaded. This was in the shipped loan file. Please escalate. - Seller-01/03/2023<br>| Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-01/04/2023<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.19 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003251 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |
| 100003262 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003070 |  | D A | Closed | finding-710 | 2023-01-03 13:33 | 2023-01-06 19:54 | Resolved | 1 - Information C A | Compliance | State Reg | TX Constitution A6 Required Fees Test | Resolved-Received Mavent report with undiscounted rate. - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. Please see Mavent for Undiscounted Rate - Seller-01/04/2023 <br>Open-This loan failed the required fees test. (Texas Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. \*\*\*\* Loan fails TX 50(a)6 Required Fees Test threshold by $XXXXX. Fees charged of $XXXXX exceed max allowed of $XXXXX. Loan file contains Discount Point Acknowledgement disclosure. It appears a portion of the discount points paid by the borrower may be considered "Bona fide". No evidence of undiscounted rate (start rate) located in current loan file. Lender to provide undiscounted rate and/or detailed loan pricing information to support exclusion of discount points from TX 50(a)6 fee calculation. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. Please see Mavent for Undiscounted Rate - Seller-01/04/2023<br>| Resolved-Received Mavent report with undiscounted rate. - Due Diligence Vendor-01/07/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2577714285714286<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.3 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| 100003070 |  | D A | Closed | FCOM1220 | 2023-01-03 09:55 | 2023-01-06 19:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/04/2023<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/07/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2577714285714286<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.3 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| 100003147 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003187 |  | C A | Closed | finding-3631 | 2023-01-03 15:14 | 2023-01-06 20:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\* Electronic Document Delivery fee ($XXXXX) and Points ($XXXXX) - disclosed per Final CD - exceed $0 TRID tolerance for Sec A fees. Valid COCs or appropriate lender credits necessary to clear tolerance fail. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/04/2023<br>| Resolved-Received COC - Due Diligence Vendor-01/07/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.47% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.64<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003187 |  | C A | Closed | finding-3632 | 2023-01-03 15:14 | 2023-01-06 20:32 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\* Electronic Document Delivery fee ($XXXXX) and Points ($XXXXX) - disclosed per Final CD - exceed $0 TRID tolerance for Sec A fees. Valid COCs or appropriate lender credits necessary to clear tolerance fail. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/04/2023<br>| Resolved-Received COC - Due Diligence Vendor-01/07/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.47% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.64<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003187 |  | C A | Closed | finding-3634 | 2023-01-03 15:14 | 2023-01-06 20:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received COC - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\* Electronic Document Delivery fee ($XXXXX) and Points ($XXXXX) - disclosed per Final CD - exceed $0 TRID tolerance for Sec A fees. Valid COCs or appropriate lender credits necessary to clear tolerance fail. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/04/2023<br>| Resolved-Received COC - Due Diligence Vendor-01/07/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.47% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.64<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003187 |  | C A | Closed | finding-1124 | 2023-01-03 15:14 | 2023-01-06 20:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | Resolved-Received Mavent report with undiscounted rate - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Open-This loan failed the high-cost home loan points and fees threshold test.<br> (NJ AB 75, § 3.) , (NJ SB 279, § 2.)<br> The total points and fees of this loan, which are $XXXXX, exceed one of the following thresholds based on the total loan amount, which is $XXXXX:<br>Either the total points and fees exceed 4.5% of the total loan amount if the total loan amount is $XXXXX or more; or<br> The total points and fees exceed 6% of the total loan amount if the total loan amount is $XXXXX or more but less than $XXXXX; or<br> The total points and fees exceed the lesser of 6% of the total loan amount or $XXXXX, if the total loan amount is less than $XXXXX\*\*\*\*\*Loan fails NJ High Cost point and fees threshold test by $XXXXX(excluding lender paid $XXXXX Financial Literacy Education fee). Confirmation of fees included/excluded from high-cost testing is needed from lender, and/or evidence of bona fide discount points supported by undiscounted rate documentation. - Due Diligence Vendor-01/03/2023 | Ready for Review-Document Uploaded. - Seller-01/04/2023<br>| Resolved-Received Mavent report with undiscounted rate - Due Diligence Vendor-01/07/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.47% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.21 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.47% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.64<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003197 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003241 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003051 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA |  |  |
| 100003255 |  | D A | Closed | FCOM1227 | 2023-01-04 10:40 | 2023-01-06 21:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Received Mortgage and riders - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-PUD Rider is Missing Provide PUD Rider as it was not provided at the time of review and appraisal reflects subject is within an PUD Community. - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Received Mortgage and riders - Due Diligence Vendor-01/07/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003255 |  | D A | Closed | FCOM1220 | 2023-01-04 10:26 | 2023-01-06 20:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-The Deed of Trust is Missing Provide Notarized Deed of Trust executed at closing from borrower, with all applicable riders. - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/07/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003255 |  | D A | Closed | FCOM9469 | 2023-01-04 10:26 | 2023-01-06 20:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage Missing required ARM Rider | Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-Deed of Trust is Missing Adjustable Rate Rider At the time of review the no Riders were provided. - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Adjustable Rate Rider is resolved - Due Diligence Vendor-01/07/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003255 |  | D A | Closed | FCOM1207 | 2023-01-04 10:24 | 2023-01-06 20:48 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-01/07/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-The Note is Not Executed Provide the Note executed at closing. At the time of review only a unexecuted version was provided./ - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-The Note is Executed - Due Diligence Vendor-01/07/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003255 |  | D A | Closed | FCOM1232 | 2023-01-04 10:32 | 2023-01-05 13:26 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-The Final 1003 is Missing Provide final 1003 executed at closing as only the initial 1003 was provided at the time of review. - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-01/05/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003268 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003063 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003073 |  | C A | Closed | finding-3532 | 2023-01-05 10:44 | 2023-01-09 13:48 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*No Closing Disclosure found in file issued 3 or more business days prior to consummation. - Due Diligence Vendor-01/05/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/09/2023<br>|  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003073 |  | C A | Closed | FPRO1136 | 2023-01-04 19:05 | 2023-01-09 05:43 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-1004D Completion Report provided at resubmission. - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Document Uploaded. Thank you! - Seller-01/06/2023 <br>Counter-Attachment provided here is a Closing Disclosure- please provide the 1004D affirming all items completed as listed on appraisal. - Due Diligence Vendor-01/06/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing completion certificate - Due Diligence Vendor-01/05/2023 | Ready for Review-Document Uploaded. Thank you! - Seller-01/06/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-1004D Completion Report provided at resubmission. - Due Diligence Vendor-01/09/2023<br>|  |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003138 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003236 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003254 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003183 |  | C A | Closed | FCRE1440 | 2023-01-05 14:39 | 2023-01-11 07:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Per response received from seller- payoff statement reflecting no past-due amounts or late charges is permissible to meet continuity of obligation history for paying off debt on a lien to which the new borrower is not obligated. No other indications of pre-foreclosure or other distressed activity per title and Fraud Report. - Due Diligence Vendor-01/11/2023 <br> Ready for Review--per Director of Credit: the mortgage that was paid off shows current on the payoff demand obtained then we satisfy program requirements on this one - Seller-01/11/2023 <br> Counter-Clarification: While payoff statement does indicate the borrower is not currently obligated on the lien being paid, xxx guidelines do reference that proof the lien being paid off is not delinquent is required. As a cash-out refinance is not to be used to bail out a relative if an existing lien is past due or has a recent history of difficulties making payments, a VOM with validation of 0x30x12 is required. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. - per UW: There is no 12 mos mortgage history required as our borrower is not on the Note and thus not liable for the payments. The attached Payoff shows our borrower is not on the loan being paid off and that the loan is not delinquent. - Seller-01/09/2023 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the 12 month housing history required by the guidelines. - Due Diligence Vendor-01/05/2023 | Ready for Review--per Director of Credit: the mortgage that was paid off shows current on the payoff demand obtained then we satisfy program requirements on this one - Seller-01/11/2023 <br>Ready for Review-Document Uploaded. - per UW: There is no 12 mos mortgage history required as our borrower is not on the Note and thus not liable for the payments. The attached Payoff shows our borrower is not on the loan being paid off and that the loan is not delinquent. - Seller-01/09/2023<br>| Resolved-Per response received from seller- payoff statement reflecting no past-due amounts or late charges is permissible to meet continuity of obligation history for paying off debt on a lien to which the new borrower is not obligated. No other indications of pre-foreclosure or other distressed activity per title and Fraud Report. - Due Diligence Vendor-01/11/2023<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25657407407407407<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003195 |  | C A | Closed | FCRE1194 | 2023-01-05 14:44 | 2023-01-10 07:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated credit report provided at resubmission with all derogatory marks >12 months old and increased credit score based upon same. LTV/CLTV/HCLTV are in line with rescoring and therefore item is resolved. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. - Seller-01/09/2023 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Initial application date reflects xxx. Guidelines allowable are from xxx. Max LTV/CLTV/HLTV allowable for a credit score of 657 is 65%. 1008 reflects score for grading of 668, however no other credit report was provided showing said score. Credit report is dated xxx and completed by the broker with scores of 636, 657 and 694. - Due Diligence Vendor-01/05/2023 | Ready for Review-Document Uploaded. - Seller-01/09/2023<br>| Resolved-Updated credit report provided at resubmission with all derogatory marks >12 months old and increased credit score based upon same. LTV/CLTV/HCLTV are in line with rescoring and therefore item is resolved. - Due Diligence Vendor-01/10/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.37346534653465346<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.13 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003195 |  | C A | Closed | FCRE1196 | 2023-01-05 14:44 | 2023-01-10 07:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Updated credit report provided at resubmission with all derogatory marks >12 months old and increased credit score based upon same. LTV/CLTV/HCLTV are in line with rescoring and therefore item is resolved. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. - Seller-01/09/2023 <br> Open-Audited HCLTV of 70% exceeds Guideline HCLTV of 65% Initial application date reflects xxx. Guidelines allowable are from xxx. Max LTV/CLTV/HLTV allowable for a credit score of 657 is 65%. 1008 reflects score for grading of 668, however no other credit report was provided showing said score. Credit report is dated xxx and completed by the broker with scores of 636, 657 and 694. - Due Diligence Vendor-01/05/2023 | Ready for Review-Document Uploaded. - Seller-01/09/2023<br>| Resolved-Updated credit report provided at resubmission with all derogatory marks >12 months old and increased credit score based upon same. LTV/CLTV/HCLTV are in line with rescoring and therefore item is resolved. - Due Diligence Vendor-01/10/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.37346534653465346<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.13 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003195 |  | C A | Closed | FCRE1195 | 2023-01-05 14:44 | 2023-01-10 07:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Updated credit report provided at resubmission with all derogatory marks >12 months old and increased credit score based upon same. LTV/CLTV/HCLTV are in line with rescoring and therefore item is resolved. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. - Seller-01/09/2023 <br> Open-Audited CLTV of 70% exceeds Guideline CLTV of 65% Initial application date reflects xxx. Guidelines allowable are from xxx. Max LTV/CLTV/HLTV allowable for a credit score of 657 is 65%. 1008 reflects score for grading of 668, however no other credit report was provided showing said score. Credit report is dated xxx and completed by the broker with scores of 636, 657 and 694. - Due Diligence Vendor-01/05/2023 | Ready for Review-Document Uploaded. - Seller-01/09/2023<br>| Resolved-Updated credit report provided at resubmission with all derogatory marks >12 months old and increased credit score based upon same. LTV/CLTV/HCLTV are in line with rescoring and therefore item is resolved. - Due Diligence Vendor-01/10/2023<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.37346534653465346<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.13 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003229 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003239 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003243 |  | C A | Closed | FCRE1254 | 2023-01-06 08:29 | 2023-01-18 07:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/18/2023 <br> Resolved-Final Title Policy provided at resubmission confirming appropriate Endorsements issued. - Due Diligence Vendor-01/18/2023 <br> Ready for Review-Document Uploaded. - Seller-01/17/2023 <br> Open-Property Title Issue Title shows a lien for xxx that per amendment may not automatically subordinate. - Due Diligence Vendor-01/06/2023 | Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/18/2023 <br>Resolved-Final Title Policy provided at resubmission confirming appropriate Endorsements issued. - Due Diligence Vendor-01/18/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.5018181818181818<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.41 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003249 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003092 |  | D A | Closed | FPRO1242 | 2023-01-09 09:55 | 2023-01-18 11:33 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-Missing the appraisal. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/10/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | finding-2962 | 2023-01-11 22:43 | 2023-01-13 10:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Received proof of appraisal delivery. File now meets HPML requirements and is HPML compliant. - Due Diligence Vendor-01/13/2023 <br>Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Open-File is missing evidence that the appraisal was provided to the borrower at least 3 days prior to close or proof that borrower waived right to copy of appraisal prior to close. - Due Diligence Vendor-01/12/2023 <br>Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br> While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/12/2023<br>| Resolved-Received proof of appraisal delivery. File now meets HPML requirements and is HPML compliant. - Due Diligence Vendor-01/13/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | finding-3352 | 2023-01-11 22:43 | 2023-01-13 10:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Received proof of appraisal delivery. File now meets HPML requirements and is HPML compliant. - Due Diligence Vendor-01/13/2023 <br>Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Open-File is missing evidence that the appraisal was provided to the borrower at least 3 days prior to close or proof that borrower waived right to copy of appraisal prior to close. - Due Diligence Vendor-01/12/2023 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/12/2023<br>| Resolved-Received proof of appraisal delivery. File now meets HPML requirements and is HPML compliant. - Due Diligence Vendor-01/13/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FCOM4227 | 2023-01-09 17:42 | 2023-01-11 22:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-received Initial and Final CD - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-No Initial Closing Disclosure located in loan package. Compliance testing is incomplete until ALL applicable TRID disclosures are provided. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-received Initial and Final CD - Due Diligence Vendor-01/12/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FCOM1797 | 2023-01-09 13:39 | 2023-01-11 22:50 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Received SSL - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-\*\*\*Not located within loan file. Compliance testing is incomplete until ALL applicable TRID disclosures are provided. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-Received SSL - Due Diligence Vendor-01/12/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FCOM1252 | 2023-01-09 13:38 | 2023-01-11 22:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received revised LE - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-\*\*\*\*Based on evidence within file, it appears the loan was locked on 12/13/2022. Associated Loan Estimate not located within loan file. Compliance testing is incomplete until ALL applicable TRID disclosures are provided. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-Received revised LE - Due Diligence Vendor-01/12/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FCOM1544 | 2023-01-09 09:50 | 2023-01-11 22:38 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-TRID: Missing Final Closing Disclosure Final CD not located within loan file. Compliance testing is incomplete until ALL applicable TRID disclosures are provided. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/12/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FCOM5135 | 2023-01-09 13:36 | 2023-01-11 22:04 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-01/12/2023 <br>Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-Required Affiliated Business Disclosure Missing \*\*\*Not located within loan file. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-01/12/2023 <br>Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-01/12/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FCOM1231 | 2023-01-09 09:39 | 2023-01-10 11:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Initial 1003 is Missing | Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-01/10/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003092 |  | D A | Closed | FPRO1244 | 2023-01-09 09:54 | 2023-01-10 11:38 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk Review provided at resubmission supporting xxx appraised value- a 0% variance. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. - Seller-01/10/2023 <br> Open-Missing the 3rd party property evaluation which is required by guidelines - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Resolved-Enhanced Desk Review provided at resubmission supporting xxx appraised value- a 0% variance. - Due Diligence Vendor-01/10/2023 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 697 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.6296730503729184<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.71% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003238 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003240 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003269 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003272 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003086 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003247 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003263 |  | C B A | Closed | FCRE1198 | 2023-02-07 18:05 | 2023-02-07 18:06 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Client provided guideline exception for reserves less than required. See comp factors. - Due Diligence Vendor-02/07/2023 <br>Open-Audited Reserves of 11.98 are less than Guideline Required Reserves of 18 - Due Diligence Vendor-02/07/2023 |  | Acknowledged-Client provided guideline exception for reserves less than required. See comp factors. - Due Diligence Vendor-02/07/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 692 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.98 Are Not Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months | 1. Qualifying FICO of 692 is 92 points higher than the minimum FICO of 600.<br> 2. Low credit usage ratio of twenty-five percent (25%) or less |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 100003264 |  | C B A | Closed | finding-3631 | 2023-01-11 15:01 | 2023-01-27 11:46 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-I can see a copy of the Refund Check and Fed Ex uploaded on the 24th, in your system. Please clear. - Seller-01/26/2023 <br>Counter-Received PCCD, LOE, and copy of check request. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Counter-Received LOE, PCCD, and copy of check request. Cure package incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-\*\*\*\*\*10% tolerance fail caused by increase in Recording Fees without a corresponding COC or sufficient lender credits. - Due Diligence Vendor-01/11/2023 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/11/2023 | Ready for Review-I can see a copy of the Refund Check and Fed Ex uploaded on the 24th, in your system. Please clear. - Seller-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023<br>|  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.38% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003264 |  | C B A | Closed | finding-3632 | 2023-01-11 15:01 | 2023-01-27 11:46 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-this has already been provided. - Seller-01/26/2023 <br>Counter-Received PCCD, LOE, and copy of check request. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Counter-Received LOE, PCCD, and copy of check request. Cure package incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-\*\*\*\*\*10% tolerance fail caused by increase in Recording Fees without a corresponding COC or sufficient lender credits. - Due Diligence Vendor-01/11/2023 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/11/2023 | Ready for Review-this has already been provided. - Seller-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-01/27/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.38% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003264 |  | C B A | Closed | finding-3635 | 2023-01-11 15:01 | 2023-01-27 11:46 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-this has already been provided. - Seller-01/26/2023 <br>Counter-Received PCCD, LOE, and copy of check request. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Counter-Received LOE, PCCD, and copy of check request. Cure package incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*\*\*10% tolerance fail caused by increase in Recording Fees without a corresponding COC or sufficient lender credits. Recording fee increased from $XXXXX to $XXXXX on Final CD. - Due Diligence Vendor-01/11/2023 | Ready for Review-this has already been provided. - Seller-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Cured-Received PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-01/27/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.38% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.38% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003271 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003274 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003230 |  | C A B | Closed | FCOM1621 | 2023-01-11 15:55 | 2023-01-13 18:23 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-01/13/2023 <br>Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Open-Initial Escrow Account Disclosure is Missing \*\*\*Not located within loan file - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/12/2023<br>| Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-01/13/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.8370075757575758 |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003230 |  | C A B | Closed | FCRE1170 | 2023-01-11 12:28 | 2023-01-13 07:51 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Corrected Flood Insurance evidence listing full coverage term provided at resubmission. - Due Diligence Vendor-01/13/2023 <br> Ready for Review-Document Uploaded. - Seller-01/12/2023 <br> Open-Flood Insurance Expiration Date of xxx is prior to the Note Date of xxx Flood quote in file does not have an expiration date. - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/12/2023<br>| Resolved-Corrected Flood Insurance evidence listing full coverage term provided at resubmission. - Due Diligence Vendor-01/13/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.8370075757575758 |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003277 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003079 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003245 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 100003257 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003258 |  | C A | Closed | finding-3532 | 2023-01-13 12:24 | 2023-01-17 13:39 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Open-\*\*\*No CD located in loan file issued/received by borrower within 3 business days prior to consummation date (1/6/2023) per TRID regulations. - Due Diligence Vendor-01/13/2023 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.71 Are Greater Than The Guideline Minimum Of 13 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003258 |  | C A | Closed | finding-3631 | 2023-01-13 12:24 | 2023-01-17 13:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Open-\*\*\*No CD located in loan file issued/received by borrower within 3 business days prior to consummation date (1/6/2023) per TRID regulations. - Due Diligence Vendor-01/13/2023 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.71 Are Greater Than The Guideline Minimum Of 13 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003258 |  | C A | Closed | finding-3632 | 2023-01-13 12:24 | 2023-01-17 13:39 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Open-\*\*\*No CD located in loan file issued/received by borrower within 3 business days prior to consummation date (1/6/2023) per TRID regulations. - Due Diligence Vendor-01/13/2023 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.71 Are Greater Than The Guideline Minimum Of 13 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003258 |  | C A | Closed | finding-3635 | 2023-01-13 12:24 | 2023-01-17 13:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Open-\*\*\*No CD located in loan file issued/received by borrower within 3 business days prior to consummation date (1/6/2023) per TRID regulations. - Due Diligence Vendor-01/13/2023 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.95% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.71 Are Greater Than The Guideline Minimum Of 13 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA | N/A | N/A |
| 100003266 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003270 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003260 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003265 |  | C A | Closed | finding-3545 | 2023-01-13 17:02 | 2023-01-18 09:39 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received Revised CD and COC - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). \*\*\*Evidence within loan file shows rate was re-locked on 12/27/2022 resulting in $XXXXX increase in discount points. Revised CD dated within 3 business days of lock extension not located within loan file. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-Received Revised CD and COC - Due Diligence Vendor-01/18/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 34 Years |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003267 |  | C A | Closed | finding-3532 | 2023-01-13 17:24 | 2023-01-17 17:48 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-\*\*\*Loan closed on 01/04/2023. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. Earliest dated CD located within loan file shows an issue date of 01/04/2023. - Due Diligence Vendor-01/17/2023 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2520957274202271<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003267 |  | C A | Closed | finding-3617 | 2023-01-17 08:02 | 2023-01-17 17:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-\*\*\*Loan closed on 01/04/2023. No CD located within the file issued to the borrower at least 3 business days prior per TRID regulations. Earliest dated CD located within loan file shows an issue date of 01/04/2023. - Due Diligence Vendor-01/17/2023 <br>Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-01/17/2023 | Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-Received Initial CD - Due Diligence Vendor-01/17/2023<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2520957274202271<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003275 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003064 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003261 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003273 |  | A | Closed | FCOM1264 | 2023-01-17 16:33 | 2023-01-19 15:10 | Resolved | 1 - Information C A | Compliance | TILA | Right of Rescission is Not Executed | Resolved-Right of Rescission is Executed. \*\*received executed NORTC - Due Diligence Vendor-01/19/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-Right of Rescission is Not Executed \*\*\*Notice of Right to Cancel located within loan file is not executed by the borrower. - Due Diligence Vendor-01/17/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Right of Rescission is Executed. \*\*received executed NORTC - Due Diligence Vendor-01/19/2023<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.79% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.79% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003278 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003283 |  | D A | Closed | FCRE3466 | 2023-01-18 11:29 | 2023-01-23 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Resolved-Project Master Insurance Policy renewal provided at resubmission. - Due Diligence Vendor-01/23/2023 <br> Ready for Review-Document Uploaded. - Seller-01/20/2023 <br> Open-Condo insurance declaration page reflects an expiration date of xxx, the loan closing date is xxx. No evidence of Condo insurance at the time of closing. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Project Master Insurance Policy renewal provided at resubmission. - Due Diligence Vendor-01/23/2023<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003259 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003276 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003279 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003281 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003282 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003280 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003456 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA |  |  |
| 100003457 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003443 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003449 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003453 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003437 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003440 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| 100003442 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003451 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003445 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003446 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003450 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003460 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003461 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003434 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003435 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Purchase | NA |  |  |
| 100003436 |  | A | Closed | FCOM1220 | 2023-01-25 10:14 | 2023-01-27 11:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-The Deed of Trust is Missing missing (smaller packet) - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/27/2023<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 12.35% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.89 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 12.35% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.30843667794062385 |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 100003448 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003459 |  | D A | Closed | FCRE2000 | 2023-01-25 12:22 | 2023-01-27 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or unexecuted Purchase Contract | Resolved-Fully executed addendum provided at resubmission. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-Purchase Contract is Partial copy. Please provide sales contract extension addendum executed by the seller. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-Fully executed addendum provided at resubmission. - Due Diligence Vendor-01/27/2023<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.75 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| 100003441 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003444 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 100003454 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003433 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003438 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003447 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| 100003452 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003455 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |
| 100003458 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| 100003462 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |

---

## Exhibit 99.8

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.8**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 100003095 |  |  | xxx A |
| 100003096 |  |  | xxx A |
| 100003098 |  |  | xxx A |
| 100003100 |  |  | xxx A |
| 100003094 |  |  | xxx C A |
| 100003097 |  |  | xxx A |
| 100003101 |  |  | xxx A |
| 100003104 |  |  | xxx A |
| 100003107 |  |  | xxx A C |
| 100003106 |  |  | xxx A |
| 100003099 |  |  | xxx A |
| 100003058 |  |  | xxx A |
| 100003102 |  |  | xxx A |
| 100003103 |  |  | xxx A C |
| 100003108 |  |  | xxx A |
| 100003105 |  |  | xxx D A |
| 100003110 |  |  | xxx D A |
| 100003113 |  |  | xxx C A B |
| 100003109 |  |  | xxx A C |
| 100003112 |  |  | xxx A |
| 100003111 |  |  | xxx A |
| 100003114 |  |  | xxx A |
| 100003116 |  |  | xxx C A |
| 100003120 |  |  | xxx A |
| 100003117 |  |  | xxx A |
| 100003085 |  |  | xxx A |
| 100003115 |  |  | xxx C A |
| 100003119 |  |  | xxx A |
| 100003054 |  |  | xxx A B |
| 100003118 |  |  | xxx A C B |
| 100003122 |  |  | xxx C A B |
| 100003121 |  |  | xxx A |
| 100003065 |  |  | xxx B A |
| 100003123 |  |  | xxx A B |
| 100003124 |  |  | xxx A |
| 100003056 |  |  | xxx C A B |
| 100003127 |  |  | xxx C A B |
| 100003129 |  |  | xxx A C |
| 100003131 |  |  | xxx A |
| 100003126 |  |  | xxx B A |
| 100003125 |  |  | xxx A |
| 100003049 |  |  | xxx A |
| 100003130 |  |  | xxx A B |
| 100003132 |  |  | xxx A |
| 100003050 |  |  | xxx D A |
| 100003133 |  |  | xxx D A |
| 100003134 |  |  | xxx A |
| 100003074 |  |  | xxx A |
| 100003140 |  |  | xxx A |
| 100003083 |  |  | xxx D A |
| 100003088 |  |  | xxx C A |
| 100003080 |  |  | xxx D A |
| 100003137 |  |  | xxx A |
| 100003082 |  |  | xxx A |
| 100003143 |  |  | xxx A |
| 100003135 |  |  | xxx C D A |
| 100003081 |  |  | xxx D A C |
| 100003145 |  |  | xxx A |
| 100003052 |  |  | xxx A |
| 100003141 |  |  | xxx A |
| 100003146 |  |  | xxx A |
| 100003149 |  |  | xxx A |
| 100003158 |  |  | xxx A |
| 100003159 |  |  | xxx A |
| 100003154 |  |  | xxx A |
| 100003151 |  |  | xxx C A |
| 100003148 |  |  | xxx A |
| 100003157 |  |  | xxx A |
| 100003156 |  |  | xxx A |
| 100003150 |  |  | xxx A |
| 100003161 |  |  | xxx A |
| 100003174 |  |  | xxx A |
| 100003190 |  |  | xxx A |
| 100003165 |  |  | xxx A |
| 100003166 |  |  | xxx A |
| 100003172 |  |  | xxx A |
| 100003155 |  |  | xxx A |
| 100003170 |  |  | xxx D A |
| 100003167 |  |  | xxx A |
| 100003169 |  |  | xxx A D |
| 100003175 |  |  | xxx A |
| 100003185 |  |  | xxx A D |
| 100003177 |  |  | xxx A |
| 100003200 |  |  | xxx A |
| 100003075 |  |  | xxx A |
| 100003087 |  |  | xxx A |
| 100003152 |  |  | xxx A |
| 100003077 |  |  | xxx A D |
| 100003059 |  |  | xxx A |
| 100003184 |  |  | xxx A |
| 100003060 |  |  | xxx A |
| 100003164 |  |  | xxx A |
| 100003171 |  |  | xxx A |
| 100003153 |  |  | xxx A B |
| 100003160 |  |  | xxx A |
| 100003168 |  |  | xxx A |
| 100003053 |  |  | xxx A |
| 100003069 |  |  | xxx A D |
| 100003142 |  |  | xxx A D B |
| 100003162 |  |  | xxx A |
| 100003199 |  |  | xxx A |
| 100003201 |  |  | xxx A C |
| 100003202 |  |  | xxx A |
| 100003062 |  |  | xxx A |
| 100003089 |  |  | xxx A |
| 100003176 |  |  | xxx A |
| 100003189 |  |  | xxx A |
| 100003203 |  |  | xxx A |
| 100003068 |  |  | xxx A |
| 100003078 |  |  | xxx A |
| 100003188 |  |  | xxx A |
| 100003192 |  |  | xxx A C B |
| 100003221 |  |  | xxx A |
| 100003222 |  |  | xxx A C |
| 100003226 |  |  | xxx A C |
| 100003061 |  |  | xxx C D A |
| 100003084 |  |  | xxx A |
| 100003128 |  |  | xxx A |
| 100003178 |  |  | xxx A |
| 100003181 |  |  | xxx A |
| 100003208 |  |  | xxx A |
| 100003072 |  |  | xxx A |
| 100003090 |  |  | xxx A |
| 100003144 |  |  | xxx A |
| 100003191 |  |  | xxx A |
| 100003067 |  |  | xxx A |
| 100003136 |  |  | xxx A D |
| 100003163 |  |  | xxx A C B |
| 100003180 |  |  | xxx A C |
| 100003213 |  |  | xxx A |
| 100003218 |  |  | xxx A |
| 100003219 |  |  | xxx D A |
| 100003228 |  |  | xxx A |
| 100003232 |  |  | xxx A |
| 100003234 |  |  | xxx A |
| 100003235 |  |  | xxx A |
| 100003057 |  |  | xxx A |
| 100003210 |  |  | xxx A |
| 100003217 |  |  | xxx A |
| 100003193 |  |  | xxx A |
| 100003196 |  |  | xxx A |
| 100003439 |  |  | xxx A |
| 100003216 |  |  | xxx A |
| 100003066 |  |  | xxx A |
| 100003071 |  |  | xxx A D |
| 100003179 |  |  | xxx A |
| 100003206 |  |  | xxx A D |
| 100003139 |  |  | xxx A |
| 100003215 |  |  | xxx A D |
| 100003231 |  |  | xxx A C |
| 100003182 |  |  | xxx A C |
| 100003211 |  |  | xxx C A |
| 100003223 |  |  | xxx A |
| 100003209 |  |  | xxx A C |
| 100003091 |  |  | xxx A D |
| 100003212 |  |  | xxx A |
| 100003225 |  |  | xxx A |
| 100003227 |  |  | xxx A |
| 100003233 |  |  | xxx C A |
| 100003244 |  |  | xxx A |
| 100003204 |  |  | xxx A |
| 100003224 |  |  | xxx A |
| 100003173 |  |  | xxx A C |
| 100003214 |  |  | xxx A C |
| 100003253 |  |  | xxx A |
| 100003207 |  |  | xxx A D |
| 100003256 |  |  | xxx A C |
| 100003076 |  |  | xxx A D |
| 100003220 |  |  | xxx A |
| 100003186 |  |  | xxx A D |
| 100003194 |  |  | xxx A D |
| 100003237 |  |  | xxx A |
| 100003242 |  |  | xxx A |
| 100003093 |  |  | xxx A C |
| 100003205 |  |  | xxx A D |
| 100003246 |  |  | xxx A |
| 100003248 |  |  | xxx A |
| 100003252 |  |  | xxx A |
| 100003198 |  |  | xxx A C |
| 100003250 |  |  | xxx D A |
| 100003251 |  |  | xxx A |
| 100003262 |  |  | xxx A |
| 100003070 |  |  | xxx A D |
| 100003147 |  |  | xxx A |
| 100003187 |  |  | xxx A C |
| 100003197 |  |  | xxx A |
| 100003241 |  |  | xxx A |
| 100003051 |  |  | xxx A |
| 100003255 |  |  | xxx A D |
| 100003268 |  |  | xxx A |
| 100003063 |  |  | xxx A |
| 100003073 |  |  | xxx A C |
| 100003138 |  |  | xxx A |
| 100003236 |  |  | xxx A |
| 100003254 |  |  | xxx A |
| 100003183 |  |  | xxx C A |
| 100003195 |  |  | xxx C A |
| 100003229 |  |  | xxx A |
| 100003239 |  |  | xxx A |
| 100003243 |  |  | xxx C A |
| 100003249 |  |  | xxx A |
| 100003092 |  |  | xxx A D |
| 100003238 |  |  | xxx A |
| 100003240 |  |  | xxx A |
| 100003269 |  |  | xxx A |
| 100003272 |  |  | xxx A |
| 100003086 |  |  | xxx A |
| 100003247 |  |  | xxx A |
| 100003263 |  |  | xxx C A B |
| 100003264 |  |  | xxx A C B |
| 100003271 |  |  | xxx A |
| 100003274 |  |  | xxx A |
| 100003230 |  |  | xxx C B A |
| 100003277 |  |  | xxx A |
| 100003055 |  |  | xxx A |
| 100003079 |  |  | xxx A |
| 100003245 |  |  | xxx A |
| 100003257 |  |  | xxx A |
| 100003258 |  |  | xxx A C |
| 100003266 |  |  | xxx A |
| 100003270 |  |  | xxx A |
| 100003260 |  |  | xxx A |
| 100003265 |  |  | xxx A C |
| 100003267 |  |  | xxx A C |
| 100003275 |  |  | xxx A |
| 100003064 |  |  | xxx A |
| 100003261 |  |  | xxx A |
| 100003273 |  |  | xxx A |
| 100003278 |  |  | xxx A |
| 100003283 |  |  | xxx D A |
| 100003259 |  |  | xxx A |
| 100003276 |  |  | xxx A |
| 100003279 |  |  | xxx A |
| 100003281 |  |  | xxx A |
| 100003282 |  |  | xxx A |
| 100003280 |  |  | xxx A |
| 100003456 |  |  | xxx A |
| 100003457 |  |  | xxx A |
| 100003443 |  |  | xxx A |
| 100003449 |  |  | xxx A |
| 100003453 |  |  | xxx A |
| 100003437 |  |  | xxx A |
| 100003440 |  |  | xxx A |
| 100003442 |  |  | xxx A |
| 100003451 |  |  | xxx A |
| 100003445 |  |  | xxx A |
| 100003446 |  |  | xxx A |
| 100003450 |  |  | xxx A |
| 100003460 |  |  | xxx A |
| 100003461 |  |  | xxx A |
| 100003434 |  |  | xxx A |
| 100003435 |  |  | xxx A |
| 100003436 |  |  | xxx A |
| 100003448 |  |  | xxx A |
| 100003459 |  |  | xxx D A |
| 100003441 |  |  | xxx A |
| 100003444 |  |  | xxx A |
| 100003454 |  |  | xxx A |
| 100003433 |  |  | xxx A |
| 100003438 |  |  | xxx A |
| 100003447 |  |  | xxx A |
| 100003452 |  |  | xxx A |
| 100003455 |  |  | xxx A |
| 100003458 |  |  | xxx A |
| 100003462 |  |  | xxx A |

---

## Exhibit 99.9

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 100003095 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003096 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003098 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003100 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003094 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003097 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 100003101 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003104 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003107 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003106 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003099 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 100003058 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003102 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003103 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003108 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003105 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003110 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003113 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003109 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003112 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003111 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003114 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003116 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003120 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003117 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003085 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003115 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003119 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003054 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003118 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003122 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003121 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003065 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003123 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003124 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003056 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003127 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003129 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003131 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003126 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003125 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003049 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003130 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 800000 |
| 100003132 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003050 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003133 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003134 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003074 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003140 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003083 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003088 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 105000.0 | .033 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 105000.0 | .033 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003080 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003137 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003082 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003143 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003135 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003081 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003145 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 407000 |
| 100003052 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003141 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003146 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003149 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003158 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -84299.0 | -.068 | xxx | Inadequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003159 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003154 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003151 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -4000.0 | -.008 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003148 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003157 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003156 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003150 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003161 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003174 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003190 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003165 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003166 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003172 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003155 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003170 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003167 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003169 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003175 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003185 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003177 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003200 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003075 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003087 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003152 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003077 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003059 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003184 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003060 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003164 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003171 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003153 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003160 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003168 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003053 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 150000.0 | .043 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003069 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003142 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 100000.0 | .036 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003162 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003199 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003201 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003202 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003062 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 230000.0 | .072 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 230000.0 | .072 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003089 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003176 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003189 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003203 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003068 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1226000 |
| 100003078 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85 |  |
| 100003188 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003192 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 100003221 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003222 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003226 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003061 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003084 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003128 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003178 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003181 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003208 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003072 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003090 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003144 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003191 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003067 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003136 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003163 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003180 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003213 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003218 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003219 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003228 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003232 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003234 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003235 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003057 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003210 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003217 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003193 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 35000.0 | .008 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003196 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003439 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003216 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003066 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003071 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003179 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003206 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003139 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003215 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003231 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003182 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003211 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003223 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003209 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003091 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003212 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003225 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003227 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003233 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003244 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003204 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003224 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003173 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003214 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003253 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003207 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003256 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 337000 |
| 100003076 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003220 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003186 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 300000.0 | .071 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 300000.0 | .071 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003194 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003237 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003242 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003093 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003205 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003246 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003248 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003252 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003198 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003250 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | xxx | Enhanced Desk Review |  |  |  |  |
| 100003251 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003262 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003070 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003147 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003187 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 343000 |
| 100003197 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003241 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003051 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003255 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003268 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003063 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003073 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003138 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003236 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003254 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003183 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003195 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003229 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003239 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003243 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003249 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003092 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003238 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 1040000.0 | .277 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003240 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 470000.0 | .143 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  | xxx | 20000.0 | .006 | xxx | Inadequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003269 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003272 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003086 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 5000.0 | .031 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003247 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003263 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003264 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003271 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003274 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003230 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003277 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003055 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003079 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003245 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 95000.0 | .027 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 95000.0 | .027 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 100003257 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003258 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 25000.0 | .004 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 25000.0 | .004 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003266 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003270 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003260 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003265 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003267 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003275 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003064 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003261 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 3500.0 | .014 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 3500.0 | .014 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003273 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003278 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003283 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003259 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003276 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003279 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003281 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003282 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003280 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 200000.0 | .030 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 200000.0 | .030 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 100003456 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003457 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003443 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003449 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003453 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003437 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003440 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003442 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003451 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003445 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003446 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003450 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003460 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003461 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003434 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 75000.0 | .021 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003435 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003436 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003448 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 100003459 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003441 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003444 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | 305000.0 | .083 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 305000.0 | .083 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 100003454 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003433 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003438 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003447 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003452 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003455 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1065144 |
| 100003458 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100003462 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1257000 |

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## Exhibit 99.10

[CHNGE 2023-1 ABS-15G](chnge-abs15g_020823.htm)

**Exhibit 99.10**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 100003126 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003130 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003145 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003158 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003151 | Change Lending Flow | Note Date | notePage | xxx | xxx |  |
| 100003169 | Change Lending Flow | Qualifying FICO | creditLiabilitiesPage | xxx | xxx |  |
| 100003068 | Change Lending Flow | Primary Appraised Property Value | diligenceFinalLookPage | xxx | xxx |  |
| 100003256 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003187 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003195 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003455 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 100003462 | Change Lending Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |

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