# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-26-000392
**Filing Date:** 2026-1
**Character Count:** 2400399
**Document Hash:** d58a9b59edee87f6d9e211fb456afad9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000392.hdr.sgml**: 20260129

**ACCESSION NUMBER**: 0000929638-26-000392

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

**PUBLIC DOCUMENT COUNT**: 25

**CONFORMED PERIOD OF REPORT**: 20260129

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

**FILED AS OF DATE**: 20260129

**DATE AS OF CHANGE**: 20260129

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 26575726

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

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

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

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

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

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

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

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

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

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

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

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

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2026-2</u>

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

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

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

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

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

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

------

#### SIGNATURES

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

Dated: January 29, 2026

---

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

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Consolidated Analytics Supplemental Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.16 Opus Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.17 Opus Securitization Cumulative Report

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2026-2 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### January 20, 2026<br>

### <br>

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **7**  |
| **Clayton Due Diligence Results** | **7**<br>|
| **Clayton Third Party Reports Delivered** | **8**<br>|
| **Appendix A: Credit Review Scope** | **9**  |
| **Appendix B: Origination Appraisal Assessment**<br>| 12  |
| **Appendix C: Regulatory Compliance Review Scope** | **15**<br>|

---

SEMT 2026-2 Due Diligence Narrative Report Page \| 1 January 20, 2026

------

![](clayton_logo.gif) <br>

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

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

---

OVERVIEW

On behalf of NewRez, LLC ("NewRez"), Clayton conducted an independent third-party pre-securitization due diligence review of 9 residential loans. The due diligence for NewRez (9 loans) took place between August, 2025 and December, 2025.

Redwood Trust ("Redwood") acquired this diligence through a Reliance Letter purchase and selected these loans for the SEMT 2026-2 transaction.

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 387 residential loans selected for the SEMT 2026-2 transaction. The due diligence for Redwood (387 loans) took place between September, 2025 and January, 2026.

The loans referenced in this narrative report were reviewed at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 51 | 12.88% |
| Correspondent Flow with delegated underwriting | 4 | 1.01% |
| Correspondent Flow without delegated underwriting | 1 | 0.25% |
| Retail | 340 | 85.86% |
| **Total** | **396** | **100.00%** |

---

SEMT 2026-2 Due Diligence Narrative Report Page \| 2 January 20, 2026

------

![](clayton_logo.gif)

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

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

SAMPLING

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by Clayton*** | ***Scope Applied*** |
| **Full Review** | 396 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 11 <br>| Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 407 |  |

---

SPONSOR ACQUISITION CRITERIA

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

------

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

SEMT 2026-2 Due Diligence Narrative Report Page \| 3 January 20, 2026

------

![](clayton_logo.gif)

LOAN GRADING

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

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

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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

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

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

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

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

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

---

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

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

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

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

SEMT 2026-2 Due Diligence Narrative Report Page \| 4 January 20, 2026

------

![](clayton_logo.gif)

◾ Value Supported Analysis

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

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

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

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

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

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

<br> - TIL APR and Finance charge tolerances;

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

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

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

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

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

---

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

---

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

<br> - Prepayment Penalty restrictions.

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

SEMT 2026-2 Due Diligence Narrative Report Page \| 5 January 20, 2026

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![](clayton_logo.gif)

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

<br> - GFE initial disclosure timing and content;

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

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

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

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

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

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

DATA CAPTURE

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

DATA INTEGRITY

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

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

◾ Loan Reviewer collects validated loan data in eCLAS;

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

◾ Discrepancies found during comparison are stored

SEMT 2026-2 Due Diligence Narrative Report Page \| 6 January 20, 2026

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![](clayton_logo.gif)

DATA COMPARE RESULTS

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 32 | 91.92% |
| Debt to Income Ratio (Back) | 90 | 77.27% |
| Note Rate | 2 | 99.49% |
| Original LTV | 30 | 92.42% |

---

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

---

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

---

SEMT 2026-2 Due Diligence Narrative Report Page \| 7 January 20, 2026

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![](clayton_logo.gif)

CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 198 | 20 | 37 | 64 | **319** |
| **Final** | **B** |  | 21 | 26 | 30 | **77** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **198** | **41** | **63** | **94** | **396** |

---

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 285<br>| 19 | 20 | 41 | **365** |
| **Final** | B |  | 12 | 9<br>| 10<br>| **31** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **285** | **31** | **29** | **51** | **396** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 374 | 2<br>| 2 | 14 | **392**<br>|
| **Final** | B |  | 2<br>|  | 2<br>| **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **374** | **4** | **2** | **16** | **396** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 272<br>| 5<br>| 35 <br>| 37 | **349** |
| **Final** | B |  | 14 | 25 <br>| 8 | **47**<br>|
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **272** | **19** | **60** | **45** | **396** |

---

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

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

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

APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

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<br> o Assets and reserves

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

<br> o Borrower eligibility, including:

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

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

<br> o Transaction eligibility, including:

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

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

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

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

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

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

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

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

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

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

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

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

<br> - Other documentation in loan file

<br> o Income review included:

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

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

<br> - IRS Form 4506-T

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

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

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

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<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

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

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

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

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

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

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

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

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

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

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

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

<br> - Applicable title endorsements were present

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

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

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

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

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

<br> - Seller contributions did not exceed maximum allowed

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

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

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

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

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

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

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

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

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

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

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

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

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

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

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

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

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

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

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

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

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

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

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

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

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

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

<br> o USPAP

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

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

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

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

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

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

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

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

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

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

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

<br> - Property usage was reviewed for zoning compliance

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

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

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

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

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

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

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE

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

#### Federal Law

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

On, June 15th, SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFA's RMBS 3.0 Due Diligence, Data <br>

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

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

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

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

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

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

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| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| California | Maryland | Rhode Island, including the Providence ordinance |
| Colorado | Massachusetts | South Carolina |
| Connecticut | Nevada | Tennessee |

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| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| District of Columbia | New Jersey | Texas |
| Florida | New Mexico | Utah |
| Georgia | New York | Vermont<br> (High Rate, High Point law) |
| Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| Indiana | Ohio, including<br> Cleveland Heights ordinance |  |
| Kentucky | Oklahoma |  |

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

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

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

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

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

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

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

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

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

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

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| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |

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

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

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

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

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

#### <br>

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

SEMT 2026-2 Due Diligence Narrative Report Page \| 19 January 20, 2026

------

![](clayton_logo.gif) from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

<br>© 2026 Clayton Services LLC. All rights reserved.

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

SEMT 2026-2 Due Diligence Narrative Report Page \| 20<br> January 20, 2026

## Exhibit 99.2

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-2** |  |  |  |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** | **8/1/2025 - 1/16/2026** |  |  |
| **Deal Loan Count:** | **396** |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *396* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409019467 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409019475 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409020719 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409021126 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409021270 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021270 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409021699 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021699 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409022113 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023687 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409023768 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409023871 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409023950 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024408 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024424 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024551 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025177 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025649 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025655 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025655 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409025777 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409025940 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026008 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026014 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026043 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026071 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026126 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409026184 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026218 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026226 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026295 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026370 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026430 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026438 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026469 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026469 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409026564 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026594 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026594 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026594 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409026981 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026989 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026990 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409026990 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026990 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409027003 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409027003 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409027012 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027033 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027035 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409027081 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409028857 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409028857 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409028860 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029139 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029260 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409029300 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409029300 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409030445 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030489 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030580 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030629 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030657 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409030657 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030657 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409030888 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409030910 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031039 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031102 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031102 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031102 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031108 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031108 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031108 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031113 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031150 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031194 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031194 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031220 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031250 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031250 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031280 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031511 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031517 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031565 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031566 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031651 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409031665 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031665 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409031712 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409031712 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032176 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032226 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032227 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032227 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032235 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032242 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032243 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032251 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032251 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032255 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032255 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032278 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409032372 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032393 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032419 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032419 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032547 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032547 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032547 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032551 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032596 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032597 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032597 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032725 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032725 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032778 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032794 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032794 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032794 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409032801 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032815 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032823 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032950 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032961 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409032985 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409032985 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409033002 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033002 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409033003 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033266 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033272 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033272 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409033323 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033323 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033323 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409033381 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033442 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033490 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033514 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033514 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409033863 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034012 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034024 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034035 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409034070 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409034070 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409034966 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035111 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035192 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409037168 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035425 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035429 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409035432 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **396** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *396* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409017960 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.5225 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019415 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.4051 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019467 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.2707 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019475 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 12991.64 | XXXXX | 6.6243 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409019540 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1945 | XXXXX | 6.971 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019553 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1424 | XXXXX | 6.5231 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020719 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9529.65 | XXXXX | 6.5898 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409020753 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1590 | XXXXX | 6.7699 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409020846 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1740 | XXXXX | 6.4099 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021028 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14584 | XXXXX | 6.8639 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021085 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1877.25 | XXXXX | 6.8946 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409021126 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 7.0198 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021138 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 18739 | XXXXX | 6.4937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021217 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.3942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021270 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9905.25 | XXXXX | 6.7334 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021294 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1600 | XXXXX | 6.8942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021699 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.3973 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021790 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.5707 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021822 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.1495 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021841 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1424 | XXXXX | 6.263 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022113 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1992.19 | XXXXX | 6.4154 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409022145 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.2726 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409022268 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.1447 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409022298 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.2704 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022340 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 3915 | XXXXX | 6.5312 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023649 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.5202 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023687 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2665 | XXXXX | 6.2789 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023739 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1590 | XXXXX | 6.5151 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023768 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2080 | XXXXX | 6.2822 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023779 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 17826.28 | XXXXX | 6.6894 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023871 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14092.6 | XXXXX | 6.7608 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023909 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.1442 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023950 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1515 | XXXXX | 6.3865 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023993 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1670 | XXXXX | 6.3951 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024045 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024082 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3365 | XXXXX | 6.6796 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024274 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.7756 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024379 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1450 | XXXXX | 6.1509 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024408 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1893 | XXXXX | 6.8934 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024424 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 4602 | XXXXX | 6.3072 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024451 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5303 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024452 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 20039 | XXXXX | 7.573 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024473 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6437 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024497 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.7691 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024537 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.774 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024551 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.8314 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024793 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 33290 | XXXXX | 6.1485 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024856 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1895 | XXXXX | 7.0224 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025132 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.026 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025177 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1955.4 | XXXXX | 6.5128 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025178 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1115 | XXXXX | 6.013 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025419 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13125.6 | XXXXX | 6.273 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409025435 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15431 | XXXXX | 6.3568 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025611 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 23170 | XXXXX | 6.7927 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025646 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.1411 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025649 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1670 | XXXXX | 6.5517 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025655 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 395 | XXXXX | 6.7899 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409025682 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25832.19 | XXXXX | 6.1201 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025712 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1285 | XXXXX | 6.6495 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025730 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1353 | XXXXX | 7.1387 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025734 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1245 | XXXXX | 6.6349 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025759 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9114.65 | XXXXX | 7.1931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025777 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 47593.29 | XXXXX | 6.7032 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025778 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1698 | XXXXX | 6.6608 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025853 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.6203 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409025927 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.7657 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025940 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1570 | XXXXX | 6.5362 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025961 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.2211 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025981 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 595 | XXXXX | 6.5228 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026006 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 4876.4 | XXXXX | 6.4219 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026008 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.2566 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026014 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.3827 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026043 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10000 | XXXXX | 6.023 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026051 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6081 | XXXXX | 6.1854 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026071 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.6913 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026084 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3972 | XXXXX | 7.0341 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026088 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20620.4 | XXXXX | 6.8869 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026092 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2125 | XXXXX | 6.3043 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026105 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14086.53 | XXXXX | 5.9447 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026126 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2232 | XXXXX | 6.4056 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026139 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1424 | XXXXX | 6.2702 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026153 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1125 | XXXXX | 6.2645 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026161 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15773.99 | XXXXX | 7.1399 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026176 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.3995 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026184 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1795 | XXXXX | 6.5459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026209 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.1439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026218 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14508 | XXXXX | 6.8661 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026226 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.6463 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026295 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.5744 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026303 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1455 | XXXXX | 6.7691 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026311 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8128.95 | XXXXX | 6.073 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026355 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.5379 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026370 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 7.0338 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026384 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9500 | XXXXX | 6.2369 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026430 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1175 | XXXXX | 6.6407 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026438 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1630.25 | XXXXX | 6.7715 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026464 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1770 | XXXXX | 6.6634 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026469 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3245 | XXXXX | 6.2592 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026539 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 950 | XXXXX | 6.2118 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026564 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2693 | XXXXX | 6.9645 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026594 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.9048 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026625 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.9193 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026627 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1290 | XXXXX | 6.3833 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026635 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1830.25 | XXXXX | 6.1474 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026638 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.6451 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409026661 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 19497.5 | XXXXX | 6.5232 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026675 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1670 | XXXXX | 6.3877 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026905 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.7742 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409026920 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 110 | XXXXX | 6.4717 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026981 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1582 | XXXXX | 6.5218 | Unemployed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026987 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2080 | XXXXX | 6.1375 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026989 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1820.25 | XXXXX | 6.6702 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026990 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.648 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027003 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25650 | XXXXX | 6.8819 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027012 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 18095 | XXXXX | 7.1462 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409027021 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.5294 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027033 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.2616 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027035 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1325.25 | XXXXX | 6.5152 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027054 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.3998 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027081 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1515 | XXXXX | 6.5236 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409027082 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1800 | XXXXX | 5.8906 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409027084 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9085.32 | XXXXX | 6.4143 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409027446 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1120 | XXXXX | 6.6346 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409028857 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.1473 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028860 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.2694 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028861 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1709 | XXXXX | 6.0595 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028993 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 6.2912 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029025 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1480 | XXXXX | 6.5194 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029028 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12907.57 | XXXXX | 6.2042 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029086 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14058 | XXXXX | 6.8313 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409029116 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2126 | XXXXX | 6.2686 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029119 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1655 | XXXXX | 6.6532 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029137 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 6.1397 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029139 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1615 | XXXXX | 5.9204 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029143 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1605.25 | XXXXX | 6.4019 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029144 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2100 | XXXXX | 6.4211 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029146 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2249 | XXXXX | 6.3014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029152 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1738 | XXXXX | 6.6382 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029158 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.1763 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029164 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2305 | XXXXX | 6.2757 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029170 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9908.85 | XXXXX | 6.5967 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029179 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.6464 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029197 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 6.6544 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029200 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 5.9755 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029217 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.7752 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029249 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1890 | XXXXX | 6.6466 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409029260 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7342.96 | XXXXX | 6.4512 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029265 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3060 | XXXXX | 6.5194 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029293 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 18770 | XXXXX | 6.0168 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029300 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.4066 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029305 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5445.25 | XXXXX | 6.0214 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409029313 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.7724 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030254 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 3522.5 | XXXXX | 6.6931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030445 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12888.95 | XXXXX | 6.4422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030451 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2286.66 | XXXXX | 6.6624 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030452 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.9014 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030463 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13394 | XXXXX | 6.6846 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030482 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2959.44 | XXXXX | 6.0287 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030489 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.7729 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030500 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.015 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030518 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 950 | XXXXX | 6.6473 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030521 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.8977 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030549 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9370 | XXXXX | 6.6885 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409030554 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.2984 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030580 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.1814 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030598 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5227 | XXXXX | 6.0523 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030603 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.3971 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409030612 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.2584 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030629 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 120 | XXXXX | 6.6345 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030634 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 6.893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030657 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.4442 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030888 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21074 | XXXXX | 6.6591 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030910 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.1544 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030981 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 25684.28 | XXXXX | 6.4352 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030986 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.5183 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031025 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15095 | XXXXX | 7.0277 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031039 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1770 | XXXXX | 6.5381 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031054 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4203.8 | XXXXX | 6.4007 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031071 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2175.25 | XXXXX | 6.3754 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409031072 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2565.25 | XXXXX | 6.153 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031080 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2816.04 | XXXXX | 6.4826 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031091 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15070 | XXXXX | 6.3918 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031102 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3085 | XXXXX | 6.2718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031108 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.7753 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031113 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2443.6 | XXXXX | 6.7868 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031141 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3260.5 | XXXXX | 6.5173 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031144 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1850 | XXXXX | 6.5754 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031146 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1738 | XXXXX | 6.6421 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031150 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.6427 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031172 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2225 | XXXXX | 6.2009 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409031183 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 35025 | XXXXX | 6.6749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031194 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.578 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031220 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1725.25 | XXXXX | 6.3943 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031242 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.3482 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031247 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15595 | XXXXX | 6.4052 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409031248 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1740 | XXXXX | 6.2271 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031250 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.0608 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031254 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1790 | XXXXX | 6.2792 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031280 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1390 | XXXXX | 6.5677 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031286 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1740 | XXXXX | 6.7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031290 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11665 | XXXXX | 6.592 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031482 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.6409 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031511 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10499 | XXXXX | 6.7462 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031517 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6728.2 | XXXXX | 6.7209 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031536 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 395 | XXXXX | 6.6369 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031537 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.5331 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409031554 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1494.88 | XXXXX | 6.3949 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031557 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 6.2603 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031562 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 19856.2 | XXXXX | 6.3996 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031565 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.9002 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031566 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1520 | XXXXX | 6.3368 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409031573 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5119 | XXXXX | 6.5575 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031575 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2090 | XXXXX | 6.4005 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031587 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1710 | XXXXX | 6.2702 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031601 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20483 | XXXXX | 6.395 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031615 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16595 | XXXXX | 6.5288 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031618 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2985 | XXXXX | 7.0021 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031625 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1609 | XXXXX | 6.1635 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031634 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10675 | XXXXX | 6.2482 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031638 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2320 | XXXXX | 6.5366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031651 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.6555 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031654 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3049 | XXXXX | 6.0571 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031655 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2078 | XXXXX | 6.5521 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409031665 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2855 | XXXXX | 6.7854 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031670 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1579 | XXXXX | 5.8936 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409031678 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3310 | XXXXX | 6.2952 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031684 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1776 | XXXXX | 6.664 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031686 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.4165 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031688 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15288.58 | XXXXX | 7.2747 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031690 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 3350 | XXXXX | 6.3038 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031712 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2080 | XXXXX | 6.2682 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031714 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.4158 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031715 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8368 | XXXXX | 6.8189 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031716 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 164 | XXXXX | 6.3532 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031722 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21099 | XXXXX | 6.973 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031805 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5875 | XXXXX | 6.3048 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031806 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2120 | XXXXX | 6.2139 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031807 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2020.25 | XXXXX | 6.3526 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031809 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1845.25 | XXXXX | 5.9042 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031811 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.4069 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409032133 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4691.65 | XXXXX | 6.7702 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032135 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.6709 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032176 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2806.6 | XXXXX | 6.5543 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032226 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10555.2 | XXXXX | 6.3301 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032227 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.7681 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032235 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.1574 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032242 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 6.5175 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032243 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13863.5 | XXXXX | 6.3691 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032251 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2138.7 | XXXXX | 6.8823 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032252 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.2913 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032254 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12614.4 | XXXXX | 6.4881 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032255 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1515 | XXXXX | 5.907 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032259 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 7.0978 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032267 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.4004 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032277 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.1444 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032278 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.1682 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032281 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7250 | XXXXX | 6.1666 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032368 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.3918 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032369 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.5787 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032372 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 893 | XXXXX | 5.9067 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032390 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2100 | XXXXX | 6.0263 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032393 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16595 | XXXXX | 6.5464 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032409 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8615.25 | XXXXX | 7.1011 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032419 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8955.8 | XXXXX | 6.9594 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032423 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.4247 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032427 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.4672 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409032477 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.408 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032532 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.3909 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032533 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 6.3971 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032538 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.1317 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032547 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1590 | XXXXX | 6.1784 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032551 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1650 | XXXXX | 6.269 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032552 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.5342 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032553 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.6403 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | XXXXX |
| 409032558 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.4044 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032559 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1865 | XXXXX | 6.8858 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032591 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.5155 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032596 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.4216 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032597 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 7.0217 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409032601 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 103 | XXXXX | 6.6371 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032602 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.139 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032603 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13391.2 | XXXXX | 6.2218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032606 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2636 | XXXXX | 6.3994 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032632 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2639.19 | XXXXX | 6.2859 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032725 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 995 | XXXXX | 6.3143 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032728 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3902 | XXXXX | 7.026 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032729 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1570 | XXXXX | 6.1606 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032741 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.3936 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032756 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.7496 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032771 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.6284 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032778 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.5254 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032781 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2090 | XXXXX | 6.1458 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032790 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1890 | XXXXX | 6.4146 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409032793 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 6.8974 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032794 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1825.25 | XXXXX | 6.4858 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032798 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 26595 | XXXXX | 6.8986 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032801 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.4013 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032809 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2305 | XXXXX | 6.5162 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032815 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1787.25 | XXXXX | 6.524 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032823 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 5666 | XXXXX | 5.9401 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032843 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2705.25 | XXXXX | 6.4945 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032921 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1853 | XXXXX | 6.5176 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032928 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032950 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.1789 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032956 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12277.7 | XXXXX | 6.4277 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032961 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10070 | XXXXX | 6.3581 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032964 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16966.2 | XXXXX | 6.4273 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032966 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2565.25 | XXXXX | 6.5367 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032985 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 25875 | XXXXX | 7.0187 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033002 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1725 | XXXXX | 7.0176 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033003 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1661 | XXXXX | 6.2621 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033006 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13667 | XXXXX | 6.512 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033185 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1114 | XXXXX | 6.2614 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033236 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20502.56 | XXXXX | 5.824 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033238 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 17359.34 | XXXXX | 6.5492 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033253 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1669.25 | XXXXX | 6.2917 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033266 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.3927 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033270 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1650 | XXXXX | 6.5368 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033272 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 6.9006 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033291 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.4479 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033292 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 395 | XXXXX | 6.6384 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033295 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 130.25 | XXXXX | 6.2275 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033313 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1850 | XXXXX | 6.3047 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033317 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1603 | XXXXX | 6.2993 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033323 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1784 | XXXXX | 6.5215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033342 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.6447 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033347 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 24145 | XXXXX | 6.2759 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033357 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 6.6581 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033367 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16175 | XXXXX | 6.5193 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033374 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1768 | XXXXX | 5.6109 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033375 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.7707 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033378 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1865 | XXXXX | 6.4456 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033381 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4971.5 | XXXXX | 6.4378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033414 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4477.4 | XXXXX | 6.407 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033420 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2087 | XXXXX | 6.4078 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033442 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1710 | XXXXX | 6.4298 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033462 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1713 | XXXXX | 6.4095 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409033490 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13375 | XXXXX | 7.2634 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033501 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15149.25 | XXXXX | 6.5203 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033503 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8015 | XXXXX | 6.5972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033508 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 999.85 | XXXXX | 6.3599 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033514 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.4038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033516 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11058.8 | XXXXX | 6.3645 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033771 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 6.2844 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033774 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15170 | XXXXX | 6.6471 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033783 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1790 | XXXXX | 6.6807 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033815 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7215.27 | XXXXX | 6.1791 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033863 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 120 | XXXXX | 6.2745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033873 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.4025 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033885 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15647.5 | XXXXX | 6.3649 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033896 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14215 | XXXXX | 5.8664 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033901 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1678 | XXXXX | 6.0261 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033911 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2905 | XXXXX | 6.5302 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033916 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.4235 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033917 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12687.5 | XXXXX | 6.134 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033976 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.0583 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033987 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11183.45 | XXXXX | 6.9806 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033991 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 6.3081 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033992 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1780 | XXXXX | 6.0175 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034008 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9838 | XXXXX | 6.9516 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034012 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2120.25 | XXXXX | 6.5348 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034024 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11378.75 | XXXXX | 5.7188 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034035 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1794.92 | XXXXX | 5.9605 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034052 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.5273 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034058 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.0621 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034070 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2562.78 | XXXXX | 6.1456 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034077 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20455 | XXXXX | 6.5258 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034083 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10781 | XXXXX | 6.4799 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034092 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1725 | XXXXX | 6.4191 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034120 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2591 | XXXXX | 6.1503 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034128 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.5288 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034131 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.0036 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034133 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1870 | XXXXX | 6.5542 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034154 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.5287 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034164 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.5094 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034167 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2544 | XXXXX | 6.669 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034198 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13219 | XXXXX | 6.6479 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034239 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3101.28 | XXXXX | 6.2851 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409034288 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.2787 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034367 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1935.25 | XXXXX | 6.0254 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034377 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2095 | XXXXX | 6.5298 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034966 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14575 | XXXXX | 5.8554 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035111 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1979 | XXXXX | 6.1451 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035192 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.535 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035196 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1670 | XXXXX | 6.2661 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409035425 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.1277 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035426 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1997.83 | XXXXX | 6.3941 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035427 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3559.88 | XXXXX | 6.0467 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035428 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1472 | XXXXX | 6.3953 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035429 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.6584 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035432 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 20707.8 | XXXXX | 7.1009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035434 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 17911 | XXXXX | 6.8821 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035613 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2340 | XXXXX | 6.151 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409036689 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6738.61 | XXXXX | 6.4113 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037005 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1880.25 | XXXXX | 6.8622 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037168 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1845 | XXXXX | 6.3007 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |

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<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.4

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| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** <br>| **SEMT 2026-2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **396** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *396* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **Loan Status** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Written VOE Form** | **Borrower 2 Written VOE Form** | **Borrower 3 Written VOE Form** | **Borrower 4 Written VOE Form** | **Borrower 1 P&L Prepared By** | **Borrower 2 P&L Prepared By** | **Borrower 3 P&L Prepared By** | **Borrower 4 P&L Prepared By** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR Method Used** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 409017960 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5225 | Yes | Yes | 0.119 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.02 | 41.02 | 41.02 | 41.02 | 41.02 | 41.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019415 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4051 | Yes | Yes | 0.124 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.09 | 32.68 | 35.09 | 32.68 | 32.68 | 32.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019467 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2707 | Yes | Yes | 0.111 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.01 | 30.99 | 31.1 | 30.99 | 30.99 | 30.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019475 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6243 | Yes | No | 1.253 | 1.253 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.75 | 32.64 | 43.75 | 32.64 | 32.64 | 32.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019540 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9710 | No | No | 0.216 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44 | 44.8 | 44 | 44.8 | 44.8 | 44.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Lease Agreement - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019553 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5231 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.3 | 35.67 | 35.3 | 35.67 | 35.67 | 35.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020719 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5898 | Yes | Yes | 0.898 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.69 | 41.69 | 41.69 | 41.69 | 41.69 | 41.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020753 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7699 | Yes | Yes | 0.164 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.36 | 37.49 | 37.36 | 37.49 | 37.49 | 37.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020846 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.4099 | Yes | No | 0.172 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.54 | 42.39 | 44.54 | 42.39 | 42.39 | 42.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021028 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8639 | Yes | Yes | 1.118 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.09 | 35.67 | 35.09 | 35.67 | 35.67 | 35.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021085 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8946 | Yes | Yes | 0.127 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.35 | 22.35 | 22.35 | 22.35 | 22.35 | 22.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409021126 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0198 | Yes | Yes | 0.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.09 | 37.4 | 37.09 | 37.4 | 37.4 | 37.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021138 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4937 | Yes | Yes | 1.129 | 1.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.5 | 8.68 | 8.5 | 8.68 | 8.68 | 8.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 7 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021217 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3942 | Yes | Yes | 0.145 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.5 | 42.5 | 42.5 | 42.5 | 42.5 | 42.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 5 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021270 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7334 | Yes | Yes | 1.084 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.66 | 31.66 | 31.66 | 31.66 | 31.66 | 31.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021294 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8942 | Yes | Yes | 0.135 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.93 | 41.1 | 40.93 | 41.1 | 41.1 | 41.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021699 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3973 | Yes | Yes | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.77 | 25.38 | 24.77 | 25.38 | 25.38 | 25.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021790 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5707 | Yes | Yes | 0.088 | 0.088 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.03 | 33.53 | 36.03 | 33.53 | 33.53 | 33.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 6 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months | Paystub - 2 months;<br> W2 - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021822 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1495 | Yes | Yes | 0.14 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.31 | 37.81 | 38.31 | 37.81 | 37.81 | 37.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021841 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2630 | Yes | Yes | 0.118 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.42 | 41.44 | 41.42 | 41.44 | 41.44 | 41.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022113 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4154 | Yes | No | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.89 | 38.58 | 46.89 | 38.58 | 38.58 | 38.58 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 19 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 8 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022145 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2726 | Yes | Yes | 0.168 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.59 | 37.32 | 35.59 | 37.32 | 37.32 | 37.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022268 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1447 | Yes | Yes | 0.118 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.3 | 32.79 | 32.3 | 32.79 | 32.79 | 32.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022298 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2704 | Yes | Yes | 0.158 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.34 | 38.33 | 38.34 | 38.33 | 38.33 | 38.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022340 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5312 | Yes | Yes | 0.383 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.76 | 31.76 | 31.76 | 31.76 | 31.76 | 31.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023649 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5202 | Yes | Yes | 0.114 | 0.114 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.83 | 26.83 | 26.83 | 26.83 | 26.83 | 26.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023687 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2789 | Yes | Yes | 0.308 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.86 | 29.49 | 29.86 | 29.49 | 29.49 | 29.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023739 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5151 | Yes | Yes | 0.149 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.93 | 41 | 41.93 | 41 | 41 | 41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023768 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2822 | Yes | Yes | 0.233 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.13 | 29.48 | 29.13 | 29.48 | 29.48 | 29.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 32 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023779 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6894 | Yes | Yes | 1.859 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.98 | 30.26 | 28.98 | 30.26 | 30.26 | 30.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023871 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Site Condo | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7608 | Yes | Yes | 1.378 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 41.85 | 41.74 | 41.85 | 41.85 | 41.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023909 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1442 | Yes | Yes | 0.108 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.08 | 35.08 | 35.08 | 35.08 | 35.08 | 35.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023950 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3865 | Yes | Yes | 0.082 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 3.21 | 3.21 | 3.21 | 3.21 | 3.21 | 3.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023993 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3951 | Yes | Yes | 0.168 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.64 | 36.64 | 36.64 | 36.64 | 36.64 | 36.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 1 months | Award Letter - 1 months;<br> Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024045 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7500 | Yes | Yes | 0 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26 | 26.3 | 26 | 26.3 | 26.3 | 26.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6796 | Yes | Yes | 0.276 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.52 | 12.73 | 15.52 | 12.73 | 12.73 | 12.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024274 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7756 | Yes | Yes | 0.191 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.16 | 41.16 | 41.16 | 41.16 | 41.16 | 41.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024379 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1509 | Yes | Yes | 0.162 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.97 | 32.97 | 32.97 | 32.97 | 32.97 | 32.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024408 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8934 | Yes | Yes | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.04 | 35.16 | 35.04 | 35.16 | 35.16 | 35.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024424 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3072 | Yes | Yes | 0.505 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.49 | 37.61 | 37.59 | 37.61 | 37.61 | 37.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024451 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5303 | Yes | Yes | 0.174 | 0.174 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.28 | 16.74 | 17.28 | 16.74 | 16.74 | 16.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024452 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5730 | Yes | Yes | 1.828 | 1.828 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.64 | 37.64 | 37.64 | 37.64 | 37.64 | 37.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024473 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6437 | Yes | Yes | 0.127 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.2 | 40.2 | 40.2 | 40.2 | 40.2 | 40.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024497 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7691 | Yes | Yes | 0.166 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.69 | 42.69 | 42.69 | 42.69 | 42.69 | 42.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 0 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024537 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Home Improvement | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7740 | Yes | Yes | 0.152 | 0.152 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43 | 37.97 | 43 | 37.97 | 37.97 | 37.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024551 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8314 | Yes | Yes | 0.153 | 0.153 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.28 | 23.22 | 23.28 | 23.22 | 23.22 | 23.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> Written VOE - 31 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024793 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1485 | Yes | Yes | 1.715 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.81 | 40.39 | 40.81 | 40.39 | 40.39 | 40.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024856 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0224 | Yes | Yes | 0.106 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.74 | 35.73 | 35.74 | 35.73 | 35.73 | 35.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 32 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025132 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0260 | Yes | Yes | 0.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.14 | 24.13 | 24.14 | 24.13 | 24.13 | 24.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025177 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5128 | Yes | Yes | 0.154 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15 | 14.55 | 15 | 14.55 | 14.55 | 14.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025178 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0130 | Yes | Yes | 0.095 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.51 | 9.9 | 11.51 | 9.9 | 9.9 | 9.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025419 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2730 | No | No | 0.873 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025435 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3568 | Yes | Yes | 1.076 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.7 | 21.84 | 20.7 | 21.84 | 21.84 | 21.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 31 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025611 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7927 | Yes | Yes | 1.69 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.83 | 16.41 | 16.83 | 16.41 | 16.41 | 16.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025646 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1411 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.77 | 36.77 | 36.77 | 36.77 | 36.77 | 36.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025649 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5517 | No | No | 0.183 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.29 | 48.29 | 48.29 | 48.29 | 48.29 | 48.29 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025655 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7899 | Yes | Yes | 0.037 | 0.037 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.81 | 22.53 | 22.81 | 22.53 | 22.53 | 22.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 30 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409025682 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1201 | Yes | Yes | 2.582 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.75 | 27.28 | 27.75 | 27.28 | 27.28 | 27.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025712 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6495 | Yes | Yes | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.04 | 40.04 | 40.04 | 40.04 | 40.04 | 40.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025730 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Condotel | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1387 | Yes | Yes | 0.101 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.54 | 42.03 | 40.54 | 42.03 | 42.03 | 42.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025734 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6349 | Yes | Yes | 0.083 | 0.083 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.56 | 29.77 | 33.56 | 29.77 | 29.77 | 29.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025759 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1931 | Yes | Yes | 0.64 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.62 | 35.5 | 35.62 | 35.5 | 35.5 | 35.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025777 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7032 | No | No | 2.801 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.11 | 43.95 | 45.11 | 43.95 | 43.95 | 43.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025778 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6608 | Yes | Yes | 0.171 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.01 | 23.01 | 23.01 | 23.01 | 23.01 | 23.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025853 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6203 | No | No | 0.237 | 0.540 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.38 | 46.19 | 46.38 | 46.19 | 46.19 | 46.19 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | 1099 - 12 months;<br> Award Letter - 1 months;<br> Personal Tax Return - 24 months | 1099 - 12 months;<br> Award Letter - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025927 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7657 | Yes | Yes | 0.097 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.02 | 42.02 | 42.02 | 42.02 | 42.02 | 42.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025940 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5362 | Yes | Yes | 0.124 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.55 | 34.51 | 34.55 | 34.51 | 34.51 | 34.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025961 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2211 | Yes | Yes | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.47 | 32.47 | 32.47 | 32.47 | 32.47 | 32.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025981 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5228 | Yes | Yes | 0.046 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.77 | 40.28 | 41.77 | 40.28 | 40.28 | 40.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026006 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4219 | No | No | 0.423 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.64 | 45.54 | 46.64 | 45.54 | 45.54 | 45.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026008 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2566 | Yes | Yes | 0.043 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.64 | 36.64 | 36.64 | 36.64 | 36.64 | 36.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026014 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3827 | Yes | Yes | 0.065 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.08 | 18.08 | 18.08 | 18.08 | 18.08 | 18.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026043 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0230 | Yes | Yes | 0.75 | 0.750 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.56 | 25.56 | 25.56 | 25.56 | 25.56 | 25.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026051 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1854 | Yes | Yes | 0.617 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.98 | 25.32 | 25.98 | 25.32 | 25.32 | 25.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026071 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6913 | Yes | Yes | 0.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.85 | 42.85 | 42.85 | 42.85 | 42.85 | 42.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0341 | Yes | Yes | 0.286 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.65 | 36.64 | 36.65 | 36.64 | 36.64 | 36.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026088 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8869 | Yes | Yes | 1.569 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.11 | 42.11 | 42.11 | 42.11 | 42.11 | 42.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026092 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3043 | Yes | Yes | 0.217 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.1 | 36.11 | 36.1 | 36.11 | 36.11 | 36.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026105 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9447 | Yes | Yes | 1.41 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.48 | 25.88 | 25.48 | 25.88 | 25.88 | 25.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026126 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4056 | No | No | 0.141 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.79 | 46.79 | 46.79 | 46.79 | 46.79 | 46.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months | Offer Letter - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026139 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2702 | Yes | Yes | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.76 | 39.76 | 39.76 | 39.76 | 39.76 | 39.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026153 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2645 | Yes | Yes | 0.069 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.87 | 32.41 | 30.87 | 32.41 | 32.41 | 32.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026161 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1399 | Yes | Yes | 1.143 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.87 | 11.58 | 12.87 | 11.58 | 11.58 | 11.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026176 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3995 | Yes | Yes | 0.17 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.68 | 36.54 | 36.68 | 36.54 | 36.54 | 36.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026184 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5459 | Yes | Yes | 0.162 | 0.162 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.42 | 16.69 | 18.42 | 16.69 | 16.69 | 16.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026209 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1439 | Yes | Yes | 0.133 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.14 | 19.14 | 19.14 | 19.14 | 19.14 | 19.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026218 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8661 | Yes | Yes | 1.227 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.8 | 39.49 | 39.81 | 39.49 | 39.49 | 39.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026226 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6463 | Yes | Yes | 0.128 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41 | 39.54 | 41 | 39.54 | 39.54 | 39.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026295 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5744 | Yes | No | 0.156 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.05 | 42.04 | 45.05 | 42.04 | 42.04 | 42.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 21 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026303 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7691 | No | No | 0.073 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.95 | 46.37 | 45.95 | 46.37 | 46.36 | 46.37 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026311 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0730 | Yes | No | 0.757 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.06 | 40.15 | 43.06 | 40.15 | 40.15 | 40.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 33 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026355 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5379 | Yes | Yes | 0.171 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.19 | 40.96 | 41.19 | 40.96 | 40.96 | 40.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026370 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0338 | Yes | No | 0.118 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.68 | 41.26 | 44.68 | 41.26 | 41.26 | 41.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026384 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2369 | Yes | Yes | 1.103 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.84 | 21.82 | 21.84 | 21.82 | 21.82 | 21.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026430 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6407 | Yes | Yes | 0.099 | 0.129 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.67 | 31.67 | 31.67 | 31.67 | 31.67 | 31.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026438 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7715 | Yes | Yes | 0.131 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35 | 29.15 | 35 | 29.15 | 29.15 | 29.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026464 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6634 | Yes | Yes | 0.207 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.58 | 36.58 | 36.58 | 36.58 | 36.58 | 36.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Offer Letter - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026469 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2592 | Yes | Yes | 0.161 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.87 | 37.87 | 37.87 | 37.87 | 37.87 | 37.87 | No | No | (No Data) | XXXXX | Yes | 240 | Yes | Yes | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026539 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2118 | Yes | Yes | 0.09 | 0.070 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.96 | 28.85 | 28.96 | 28.85 | 28.85 | 28.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026564 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9645 | Yes | Yes | 0.287 | 0.324 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.8 | 36.18 | 35.8 | 36.18 | 36.18 | 36.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 33 months;<br> Personal Tax Return - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026594 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9048 | No | No | 0.206 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.74 | 48.74 | 48.74 | 48.74 | 48.74 | 48.74 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026625 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9193 | Yes | Yes | 0.176 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.31 | 42.92 | 42.31 | 42.92 | 42.92 | 42.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026627 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3833 | Yes | Yes | 0.068 | 0.068 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.71 | 10.62 | 10.71 | 10.62 | 10.62 | 10.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026635 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1474 | Yes | Yes | 0.168 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.68 | 26.93 | 26.68 | 26.93 | 26.93 | 26.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026638 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6451 | No | No | 0.119 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.01 | 45.01 | 45.01 | 45.01 | 45.01 | 45.01 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months | 1099 - 12 months;<br> Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026661 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5232 | Yes | Yes | 1.642 | 1.642 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.16 | 31.19 | 31.16 | 31.19 | 31.19 | 31.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026675 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3877 | Yes | Yes | 0.14 | 0.140 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.4 | 34.8 | 36.4 | 34.8 | 34.8 | 34.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026905 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7742 | No | No | 0.17 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.06 | 49.06 | 49.06 | 49.06 | 49.06 | 49.06 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 6 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 7 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409026920 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4717 | Yes | Yes | 0.011 | 0.011 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.27 | 28.28 | 28.27 | 28.28 | 28.28 | 28.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026981 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5218 | Yes | Yes | 0.135 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.8 | 40.73 | 39.8 | 40.73 | 40.73 | 40.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Tax Return - 12 months | 1099 - 12 months | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026987 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1375 | No | No | 0.105 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.95 | 49.93 | 49.95 | 49.93 | 49.93 | 49.93 | No | Yes | Yes | XXXXX | Yes | 360 | No | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026989 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6702 | Yes | Yes | 0.139 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.64 | 40.64 | 40.64 | 40.64 | 40.64 | 40.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 60 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026990 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6480 | No | No | 0.185 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.97 | 46.05 | 45.97 | 46.05 | 46.05 | 46.05 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Personal Tax Return - 12 months | Paystub - 1 months;<br> W2 - 24 months | 1099 - 24 months | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027003 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8819 | Yes | Yes | 2.442 | 2.442 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.91 | 33.67 | 32.91 | 33.67 | 33.67 | 33.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 45 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 19 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1462 | Yes | Yes | 1.621 | 0.123 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.38 | 34.69 | 42.38 | 34.69 | 34.69 | 34.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 20 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027021 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5294 | Yes | Yes | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.91 | 42.91 | 42.91 | 42.91 | 42.91 | 42.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2616 | No | No | 0.098 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.31 | 46.26 | 43.31 | 46.26 | 46.26 | 46.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027035 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5152 | Yes | Yes | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.1 | 37.69 | 42.1 | 37.69 | 37.69 | 37.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027054 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3998 | Yes | Yes | 0.152 | 0.152 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.86 | 41.27 | 40.86 | 41.27 | 41.27 | 41.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027081 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5236 | Yes | Yes | 0.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 6.45 | 6.11 | 6.45 | 6.11 | 6.11 | 6.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 45 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8906 | Yes | Yes | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.96 | 25.76 | 25.96 | 25.76 | 25.76 | 25.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4143 | Yes | Yes | 0.957 | 2.967 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.51 | 18.51 | 18.51 | 18.51 | 18.51 | 18.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6346 | Yes | Yes | 0.087 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.97 | 33.53 | 34.97 | 33.53 | 33.53 | 33.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028857 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1473 | Yes | Yes | 0.152 | 0.152 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.06 | 42.03 | 42.06 | 42.03 | 42.03 | 42.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028860 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2694 | Yes | Yes | 0.085 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.98 | 22.98 | 22.98 | 22.98 | 22.98 | 22.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 48 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028861 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0595 | Yes | Yes | 0.12 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.32 | 42.32 | 42.32 | 42.32 | 42.32 | 42.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028993 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2912 | Yes | Yes | 0.141 | 0.141 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.11 | 41.11 | 41.11 | 41.11 | 41.11 | 41.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029025 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5194 | Yes | Yes | 0.1 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.16 | 40.16 | 40.16 | 40.16 | 40.16 | 40.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029028 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2042 | Yes | Yes | 0.779 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 7 | 7.56 | 7 | 7.56 | 7.56 | 7.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029086 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8313 | No | No | 0.806 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409029116 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2686 | Yes | Yes | 0.161 | 0.161 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.76 | 34.6 | 34.76 | 34.6 | 34.6 | 34.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029119 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6532 | Yes | Yes | 0.148 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.17 | 34.77 | 35.17 | 34.77 | 34.77 | 34.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029137 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1397 | Yes | Yes | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.6 | 19.61 | 19.6 | 19.61 | 19.61 | 19.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029139 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9204 | Yes | Yes | 0.118 | 0.118 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.52 | 30.34 | 19.53 | 30.34 | 30.34 | 30.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | P & L - 10 months;<br> Personal Tax Return - 24 months | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029143 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4019 | Yes | No | 0.109 | 0.109 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.63 | 41.26 | 43.63 | 41.26 | 41.26 | 41.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | FMNA 1005 | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029144 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4211 | Yes | Yes | 0.212 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.52 | 16.52 | 16.52 | 16.52 | 16.52 | 16.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029146 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3014 | Yes | Yes | 0.217 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | 14.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029152 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6382 | No | No | 0.088 | 0.088 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.29 | 44.29 | 44.29 | 44.29 | 44.29 | 44.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029158 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.1763 | No | No | 0.128 | 0.128 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46 | 45.73 | 46 | 45.73 | 45.73 | 45.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029164 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2757 | Yes | Yes | 0.203 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.46 | 35.6 | 35.46 | 35.6 | 35.6 | 35.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 7 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029170 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5967 | Yes | Yes | 0.932 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.35 | 37.35 | 37.35 | 37.35 | 37.35 | 37.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 4 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029179 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6464 | Yes | Yes | 0.127 | 0.125 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.65 | 17.65 | 17.65 | 17.65 | 17.65 | 17.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029197 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6544 | Yes | Yes | 0.169 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.77 | 28.77 | 28.77 | 28.77 | 28.77 | 28.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029200 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9755 | Yes | Yes | 0.241 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.46 | 35.46 | 35.46 | 35.46 | 35.46 | 35.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029217 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7752 | Yes | Yes | 0.175 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.59 | 33.59 | 33.59 | 33.59 | 33.59 | 33.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029249 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6466 | No | No | 0.212 | 0.212 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.78 | 48.79 | 48.78 | 48.79 | 48.79 | 48.79 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029260 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4512 | Yes | Yes | 0.674 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.44 | 30.54 | 30.44 | 30.54 | 30.54 | 30.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029265 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5194 | Yes | Yes | 0.292 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.62 | 27.81 | 27.62 | 27.81 | 27.81 | 27.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 23 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029293 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0168 | Yes | Yes | 1.471 | 1.471 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.51 | 11.98 | 12.51 | 11.98 | 11.98 | 11.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029300 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4066 | Yes | Yes | 0.223 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.6 | 42.47 | 42.6 | 42.47 | 42.47 | 42.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029305 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0214 | Yes | Yes | 0.219 | 0.074 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.31 | 33.64 | 33.31 | 33.64 | 33.64 | 33.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029313 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7724 | Yes | Yes | 0.112 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.43 | 36.43 | 36.43 | 36.43 | 36.43 | 36.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030254 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6931 | No | No | 0.398 | 0.537 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.17 | 44.04 | 44.17 | 44.04 | 44.04 | 44.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030445 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4422 | Yes | Yes | 0.759 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.36 | 20.42 | 20.36 | 20.42 | 20.42 | 20.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030451 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6624 | Yes | Yes | 0.23 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.01 | 23.06 | 23.01 | 23.06 | 23.06 | 23.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030452 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9014 | Yes | Yes | 0.068 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.84 | 22.05 | 26.84 | 22.05 | 22.05 | 22.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | Borrower | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030463 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6846 | Yes | Yes | 1.16 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.92 | 42.93 | 42.92 | 42.93 | 42.93 | 42.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 33 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030482 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0287 | Yes | Yes | 0.271 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.18 | 30.73 | 31.18 | 30.73 | 30.73 | 30.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030489 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7729 | Yes | Yes | 0.146 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.53 | 40.86 | 41.53 | 40.86 | 40.86 | 40.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030500 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0150 | Yes | Yes | 0.045 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.41 | 19.72 | 20.41 | 19.72 | 19.72 | 19.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030518 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6473 | Yes | Yes | 0.115 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.86 | 25.62 | 24.86 | 25.62 | 25.62 | 25.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030521 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8977 | Yes | Yes | 0.164 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.6 | 42.6 | 42.6 | 42.6 | 42.6 | 42.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030549 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6885 | No | No | 0.646 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030554 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2984 | Yes | Yes | 0.104 | 1.120 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.3 | 36.56 | 36.3 | 36.56 | 36.56 | 36.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030580 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1814 | Yes | Yes | 0.121 | 0.121 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.69 | 28.09 | 35.69 | 28.09 | 28.09 | 28.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030598 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0523 | Yes | Yes | 0.439 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.79 | 30.87 | 30.79 | 30.87 | 30.87 | 30.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 14 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030603 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3971 | No | No | 0.16 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.67 | 49.37 | 49.67 | 49.37 | 49.37 | 49.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 34 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409030612 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2584 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.59 | 40.66 | 40.59 | 40.66 | 40.66 | 40.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 20 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030629 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6345 | Yes | Yes | 0.007 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.11 | 42.4 | 42.11 | 42.4 | 42.4 | 42.4 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 12 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | CPA | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030634 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8930 | Yes | Yes | 0.112 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36 | 35.39 | 36 | 35.39 | 35.39 | 35.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030657 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4442 | No | No | 0.117 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.76 | 46.76 | 46.76 | 46.76 | 46.76 | 46.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030888 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6591 | Yes | Yes | 2.482 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.59 | 40.17 | 40.59 | 40.17 | 40.17 | 40.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 6 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030910 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1544 | No | No | 0.138 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.33 | 43.3 | 43.33 | 43.3 | 43.3 | 43.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030981 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4352 | Yes | Yes | 1.951 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 11 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5183 | No | No | 0.146 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.39 | 48.38 | 48.39 | 48.38 | 48.38 | 48.38 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 16 months | Award Letter - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031025 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0277 | Yes | Yes | 1.489 | 1.489 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.95 | 27.06 | 29.95 | 27.06 | 27.06 | 27.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 409031039 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Site Condo | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5381 | No | No | 0.185 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44 | 44 | 44 | 44 | 44 | 44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031054 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4007 | Yes | Yes | 0.23 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.86 | 33.34 | 32.86 | 33.34 | 33.34 | 33.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031071 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3754 | No | No | 0.141 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.2 | 46.21 | 46.2 | 46.21 | 46.21 | 46.21 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031072 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1530 | No | No | 0.215 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.47 | 45.21 | 45.47 | 45.21 | 45.21 | 45.21 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Award Letter - 12 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031080 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4826 | Yes | Yes | 0.317 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.49 | 38.87 | 39.49 | 38.87 | 38.87 | 38.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Employment Authorization Document | Employment Authorization Document | (No Data) | (No Data) |
| 409031091 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3918 | No | No | 0.767 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.75 | 46.75 | 46.75 | 46.75 | 46.75 | 46.75 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031102 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2718 | Yes | Yes | 0.181 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.73 | 31.88 | 31.73 | 31.88 | 31.88 | 31.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 27 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031108 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7753 | Yes | Yes | 0.176 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.76 | 34.73 | 34.76 | 34.73 | 34.73 | 34.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031113 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7868 | Yes | Yes | 0.25 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.94 | 34.94 | 34.94 | 34.94 | 34.94 | 34.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031141 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5173 | Yes | Yes | 0.204 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.29 | 40.34 | 40.29 | 40.34 | 40.34 | 40.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031144 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5754 | No | No | 0.177 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.89 | 49.93 | 49.89 | 49.93 | 49.93 | 49.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031146 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6421 | Yes | Yes | 0.114 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.76 | 35.75 | 35.76 | 35.75 | 35.75 | 35.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031150 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6427 | No | No | 0.06 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.8 | 48.42 | 47.8 | 48.42 | 48.42 | 48.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031172 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2009 | No | No | 0.225 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | 49.82 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031183 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6749 | Yes | Yes | 2.351 | 2.658 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.51 | 21.59 | 19.51 | 21.59 | 21.59 | 21.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031194 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5780 | Yes | Yes | 0.222 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.99 | 40.65 | 37 | 40.65 | 40.65 | 40.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 35 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031220 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3943 | Yes | Yes | 0.138 | 0.138 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.07 | 39.17 | 42.07 | 39.17 | 39.17 | 39.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031242 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3482 | Yes | Yes | 0 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.35 | 42.3 | 42.35 | 42.3 | 42.3 | 42.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031247 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4052 | Yes | Yes | 1.137 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.28 | 40.39 | 42.28 | 40.39 | 40.39 | 40.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 11 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409031248 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2271 | Yes | Yes | 0.146 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.23 | 38.23 | 38.23 | 38.23 | 38.23 | 38.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031250 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0608 | Yes | Yes | 0.224 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.96 | 18.97 | 18.96 | 18.97 | 18.97 | 18.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031254 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2792 | No | No | 0.202 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.33 | 45.32 | 45.33 | 45.32 | 45.32 | 45.32 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031280 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5677 | Yes | Yes | 0.165 | 0.142 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.68 | 40.48 | 39.68 | 40.48 | 40.48 | 40.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031286 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7000 | Yes | Yes | 0.209 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.41 | 25.41 | 25.41 | 25.41 | 25.41 | 25.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031290 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5920 | Yes | Yes | 0.934 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.94 | 38.94 | 38.94 | 38.94 | 38.94 | 38.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031482 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6409 | Yes | No | 0.097 | 0.097 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.66 | 40.61 | 43.66 | 40.61 | 40.61 | 40.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031511 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7462 | Yes | Yes | 0.889 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.7 | 41.69 | 41.7 | 41.69 | 41.69 | 41.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031517 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7209 | Yes | Yes | 0.828 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.51 | 33.71 | 33.51 | 33.71 | 33.71 | 33.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031536 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6369 | Yes | Yes | 0.035 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.38 | 33.35 | 34.38 | 33.35 | 33.35 | 33.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031537 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5331 | No | No | 0.147 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.87 | 43.98 | 43.87 | 43.98 | 43.98 | 43.98 | Yes | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 16 months;<br> W2 - 24 months;<br> Written VOE - 11 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031554 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3949 | Yes | Yes | 0.168 | 0.168 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.41 | 40.04 | 42.41 | 40.04 | 40.04 | 40.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031557 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2603 | Yes | Yes | 0.085 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.1 | 29.31 | 29.1 | 29.31 | 29.31 | 29.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031562 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3996 | Yes | Yes | 1.468 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.85 | 30.85 | 30.85 | 30.85 | 30.85 | 30.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031565 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9002 | No | No | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.36 | 43.49 | 43.36 | 43.49 | 43.49 | 43.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031566 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3368 | Yes | No | 0.157 | 0.157 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.95 | 41.07 | 45.95 | 41.07 | 41.07 | 41.07 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 33 months | Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031573 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.5575 | Yes | No | 0.518 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.09 | 42.9 | 45.09 | 42.9 | 42.9 | 42.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031575 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4005 | Yes | Yes | 0.172 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.36 | 40.37 | 40.36 | 40.37 | 40.37 | 40.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031587 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2702 | Yes | Yes | 0.139 | 0.139 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32 | 31.9 | 32 | 31.9 | 31.9 | 31.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031601 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3950 | Yes | Yes | 1.494 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.39 | 20.39 | 20.39 | 20.39 | 20.39 | 20.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031615 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5288 | Yes | Yes | 1.491 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.22 | 33.27 | 3.22 | 33.27 | 33.27 | 33.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031618 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0021 | No | No | 0.337 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.26 | 44.95 | 44.26 | 44.95 | 44.95 | 44.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031625 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1635 | Yes | Yes | 0.162 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 3.21 | 3.21 | 3.21 | 3.21 | 3.21 | 3.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031634 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2482 | Yes | Yes | 0.963 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.12 | 41.12 | 41.12 | 41.12 | 41.12 | 41.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031638 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5366 | Yes | Yes | 0.195 | 0.195 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.87 | 17.39 | 16.87 | 17.39 | 17.39 | 17.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031651 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6555 | No | No | 0.202 | 0.202 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.19 | 45.23 | 48.19 | 45.23 | 45.23 | 45.23 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 33 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031654 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0571 | Yes | Yes | 0.284 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.28 | 36.81 | 37.28 | 36.81 | 36.81 | 36.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031655 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5521 | No | No | 0.156 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.98 | 49.48 | 49.98 | 49.48 | 49.48 | 49.48 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 32 months;<br> W2 - 24 months;<br> Written VOE - 58 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031665 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7854 | Yes | Yes | 0.276 | 0.276 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031670 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8936 | No | No | 0.144 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.17 | 47.17 | 47.17 | 47.17 | 47.17 | 47.17 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 34 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031678 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2952 | Yes | Yes | 0.334 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.87 | 20.44 | 19.87 | 20.44 | 20.44 | 20.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 8 months;<br> W2 - 24 months;<br> W2 - 24 months;<br> Written VOE - 10 months | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031684 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6640 | Yes | Yes | 0.128 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.58 | 39.61 | 39.58 | 39.61 | 39.61 | 39.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031686 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4165 | Yes | Yes | 0.169 | 0.169 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.23 | 23.23 | 23.23 | 23.23 | 23.23 | 23.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 17 months;<br> Written VOE - 26 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031688 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2747 | No | No | 1.628 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.56 | 47.56 | 47.56 | 47.56 | 47.56 | 47.56 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031690 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3038 | No | No | 0.402 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.41 | 44.41 | 44.41 | 44.41 | 44.41 | 44.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031712 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2682 | Yes | Yes | 0.153 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.49 | 24.49 | 24.49 | 24.49 | 24.49 | 24.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409031714 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4158 | Yes | Yes | 0.179 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.87 | 41.87 | 41.87 | 41.87 | 41.87 | 41.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031715 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8189 | Yes | Yes | 0.68 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.73 | 35.17 | 33.73 | 35.17 | 35.17 | 35.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031716 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3532 | Yes | Yes | 0.014 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.92 | 39.16 | 39.92 | 39.16 | 39.16 | 39.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031722 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9730 | No | No | 0.955 | 9545.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | 44.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> P & L - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Tax Preparer | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031805 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3048 | Yes | Yes | 0.454 | 0.135 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.2 | 32.21 | 32.2 | 32.21 | 32.21 | 32.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 409031806 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.2139 | No | No | 0.179 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.6 | 46.58 | 46.6 | 46.58 | 46.58 | 46.58 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 12 months | Award Letter - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031807 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3526 | Yes | Yes | 0.131 | 0.125 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.93 | 42.37 | 42.93 | 42.37 | 42.37 | 42.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031809 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9042 | Yes | Yes | 0.209 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.93 | 42.13 | 42.93 | 42.13 | 42.13 | 42.13 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031811 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4069 | No | No | 0.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.87 | 48.64 | 48.87 | 48.64 | 48.64 | 48.64 | Yes | Yes | Yes | XXXXX | Yes | 360 | Yes | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032133 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7702 | No | No | 0.526 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.57 | 45.88 | 46.57 | 45.88 | 45.88 | 45.88 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032135 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6709 | Yes | Yes | 0.132 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 40.97 | 40.97 | 40.97 | 40.96 | 40.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 12 months;<br> P & L - 11 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032176 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5543 | Yes | Yes | 0.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.62 | 39.76 | 42.62 | 39.76 | 39.76 | 39.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032226 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3301 | Yes | Yes | 0.797 | 0.797 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.77 | 39.05 | 36.77 | 39.05 | 39.05 | 39.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032227 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7681 | Yes | Yes | 0.145 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.8 | 28.7 | 28.8 | 28.7 | 28.7 | 28.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032235 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1574 | No | No | 0.141 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.21 | 44.21 | 44.21 | 44.21 | 44.21 | 44.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 22 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032242 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5175 | Yes | Yes | 0.105 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.09 | 17.17 | 14.09 | 17.17 | 17.17 | 17.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032243 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3691 | Yes | Yes | 1.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.11 | 38.43 | 37.11 | 38.43 | 38.43 | 38.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Award Letter - 1 months;<br> Personal Bank Statements - 1 months | Award Letter - 1 months | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032251 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8823 | No | No | 0.224 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.24 | 46.82 | 47.24 | 46.82 | 46.82 | 46.82 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032252 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2913 | Yes | Yes | 0.171 | 0.297 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.02 | 40.96 | 40.02 | 40.96 | 40.96 | 40.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032254 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4881 | No | No | 1.136 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.62 | 46.52 | 46.62 | 46.52 | 46.52 | 46.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 22 months | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L Only - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032255 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9070 | Yes | Yes | 0.132 | 0.132 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 7.7 | 7.39 | 7.7 | 7.39 | 7.39 | 7.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 1 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032259 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0978 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.48 | 35.02 | 35.48 | 35.02 | 35.02 | 35.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032267 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4004 | Yes | No | 0.166 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.24 | 42.05 | 46.24 | 42.05 | 42.05 | 42.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 34 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032277 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1444 | No | No | 0.132 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.55 | 47.55 | 47.55 | 47.55 | 47.55 | 47.55 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 15 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1682 | Yes | Yes | 0.165 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.85 | 33.85 | 33.85 | 33.85 | 33.85 | 33.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032281 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1666 | Yes | Yes | 0.433 | 0.433 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.79 | 29.79 | 29.79 | 29.79 | 29.79 | 29.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032368 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3918 | Yes | Yes | 0.041 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.62 | 22.14 | 22.62 | 22.14 | 22.14 | 22.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032369 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5787 | No | No | 0.168 | 0.168 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 44.78 | 44.96 | 44.78 | 44.78 | 44.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032372 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9067 | Yes | Yes | 0.058 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.91 | 38.59 | 39.91 | 38.59 | 38.59 | 38.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032390 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0263 | No | No | 0.106 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.71 | 43.71 | 43.71 | 43.71 | 43.71 | 43.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032393 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5464 | Yes | Yes | 1.779 | 1.779 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.57 | 36.46 | 27.57 | 36.46 | 36.46 | 36.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 4 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 15 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032409 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1011 | No | No | 0.873 | 0.873 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.61 | 43.1 | 43.61 | 43.1 | 43.1 | 43.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032419 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9594 | No | No | 0.837 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.85 | 44.85 | 44.85 | 44.85 | 44.85 | 44.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032423 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4247 | Yes | Yes | 0.203 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.11 | 38.92 | 39.11 | 38.92 | 38.92 | 38.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032427 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4672 | No | No | 0.144 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.16 | 46.16 | 46.16 | 46.16 | 46.16 | 46.16 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032477 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4080 | Yes | Yes | 0.165 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.19 | 41.99 | 42.19 | 41.99 | 41.99 | 41.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032532 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3909 | Yes | Yes | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.28 | 27.28 | 27.28 | 27.28 | 27.28 | 27.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032533 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3971 | No | No | 0.191 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.88 | 43.62 | 43.88 | 43.62 | 43.62 | 43.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 19 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032538 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1317 | Yes | Yes | 0.075 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.43 | 21.5 | 21.43 | 21.5 | 21.5 | 21.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032547 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1784 | Yes | Yes | 0.198 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.18 | 38.19 | 38.18 | 38.19 | 38.19 | 38.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032551 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2690 | Yes | Yes | 0.095 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.81 | 35.03 | 39.81 | 35.03 | 35.03 | 35.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032552 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5342 | Yes | Yes | 0.147 | 0.147 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.02 | 26.02 | 26.02 | 26.02 | 26.02 | 26.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032553 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6403 | No | No | 0.123 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.64 | 48.64 | 48.64 | 48.64 | 48.64 | 48.64 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 409032558 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4044 | Yes | Yes | 0.207 | 0.207 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43 | 42.91 | 43 | 42.91 | 42.91 | 42.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032559 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8858 | No | No | 0.095 | 0.095 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.47 | 46.42 | 47.47 | 46.42 | 46.42 | 46.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032591 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5155 | Yes | Yes | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.4 | 42.92 | 41.4 | 42.92 | 42.92 | 42.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months | 1099 - 12 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032596 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4216 | Yes | Yes | 0.138 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.96 | 40.93 | 40.96 | 40.93 | 40.93 | 40.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 35 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 13 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032597 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0217 | No | No | 0.166 | 0.166 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.38 | 43.86 | 45.38 | 43.86 | 43.86 | 43.86 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 3 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032601 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6371 | No | No | 0.008 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.89 | 43.9 | 43.89 | 43.9 | 43.9 | 43.9 | No | No | (No Data) | XXXXX | Yes | 84 | Yes | Yes | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months | Award Letter - 1 months;<br> Paystub - 1 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032602 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1390 | Yes | Yes | 0.097 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.6 | 41.6 | 41.6 | 41.6 | 41.6 | 41.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032603 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2218 | Yes | Yes | 0.916 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.98 | 26.12 | 25.98 | 26.12 | 26.12 | 26.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032606 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3994 | No | No | 0.214 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.88 | 44.88 | 44.88 | 44.88 | 44.88 | 44.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032632 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2859 | Yes | Yes | 0.276 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.85 | 42.85 | 42.85 | 42.85 | 42.85 | 42.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 12 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032725 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3143 | Yes | Yes | 0.111 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032728 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0260 | Yes | Yes | 0.218 | 0.218 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.51 | 35.07 | 37.51 | 35.07 | 35.07 | 35.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032729 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1606 | Yes | Yes | 0.152 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.4 | 34.97 | 35.4 | 34.97 | 34.97 | 34.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 15 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032741 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3936 | No | No | 0.114 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.23 | 47.3 | 47.23 | 47.3 | 47.3 | 47.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032756 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7496 | No | No | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.81 | 44.47 | 44.81 | 44.47 | 44.47 | 44.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032771 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Site Condo | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6284 | Yes | Yes | 0 | 0.000 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.86 | 16.8 | 17.86 | 16.8 | 16.8 | 16.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032778 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5254 | Yes | Yes | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.7 | 29.57 | 30.7 | 29.57 | 29.57 | 29.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032781 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1458 | Yes | Yes | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.02 | 34.07 | 37.02 | 34.07 | 34.07 | 34.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032790 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4146 | Yes | Yes | 0.166 | 0.166 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.53 | 41.53 | 41.53 | 41.53 | 41.53 | 41.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409032793 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8974 | No | No | 0.169 | 0.169 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.39 | 45.95 | 48.39 | 45.95 | 45.95 | 45.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032794 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4858 | Yes | Yes | 0.124 | 0.124 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.65 | 29.9 | 25.65 | 29.9 | 29.9 | 29.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032798 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8986 | Yes | Yes | 1.455 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 9.42 | 10.6 | 9.42 | 10.6 | 10.6 | 10.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032801 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4013 | Yes | Yes | 0.149 | 0.149 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.87 | 35.78 | 35.87 | 35.78 | 35.78 | 35.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032809 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5162 | Yes | Yes | 0.129 | 0.129 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.46 | 39.69 | 39.46 | 39.69 | 39.69 | 39.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032815 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5240 | Yes | Yes | 0.186 | 0.186 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.72 | 30.14 | 31.72 | 30.14 | 30.14 | 30.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032823 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.9401 | No | No | 0.636 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.82 | 48.83 | 48.82 | 48.83 | 48.83 | 48.83 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032843 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4945 | No | No | 0.169 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.55 | 49.42 | 49.55 | 49.42 | 49.42 | 49.42 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032921 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5176 | Yes | Yes | 0.148 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.06 | 41.22 | 40.06 | 41.22 | 41.22 | 41.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Business Tax Return - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032928 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5560 | Yes | Yes | 0.113 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.73 | 42.64 | 41.73 | 42.64 | 42.64 | 42.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 34 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> CPA Letter with Income - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 34 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032950 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1789 | Yes | Yes | 0.134 | 0.134 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.43 | 38.09 | 38.43 | 38.09 | 38.09 | 38.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032956 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4277 | Yes | Yes | 1.422 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.3 | 39.18 | 41.3 | 39.18 | 39.18 | 39.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032961 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3581 | Yes | Yes | 1.004 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.9 | 40.9 | 40.9 | 40.9 | 40.9 | 40.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032964 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4273 | No | No | 1.641 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.98 | 44.6 | 43.98 | 44.6 | 44.6 | 44.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – W2(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032966 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5367 | Yes | Yes | 0.139 | 0.139 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.54 | 36.26 | 35.54 | 36.26 | 36.26 | 36.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032985 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0187 | Yes | Yes | 2.701 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27 | 26.64 | 27 | 26.64 | 26.64 | 26.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033002 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0176 | Yes | Yes | 0.178 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34 | 34.06 | 34 | 34.06 | 34.06 | 34.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033003 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2621 | Yes | Yes | 0.098 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.44 | 40.34 | 40.44 | 40.34 | 40.34 | 40.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033006 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5120 | Yes | Yes | 0.698 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.88 | 36.09 | 40.88 | 36.09 | 36.09 | 36.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | Borrower | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033185 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2614 | Yes | Yes | 0.09 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.1 | 40.09 | 40.1 | 40.09 | 40.09 | 40.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033236 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8240 | No | No | 2.049 | 2.050 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.4 | 45.4 | 45.4 | 45.4 | 45.4 | 45.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033238 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5492 | Yes | Yes | 1.648 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.03 | 36.88 | 36.03 | 36.88 | 36.88 | 36.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033253 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2917 | Yes | Yes | 0.145 | 0.145 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.21 | 39.25 | 39.21 | 39.25 | 39.25 | 39.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 12 months;<br> Paystub - 2 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033266 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3927 | Yes | Yes | 0.164 | 0.164 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.88 | 40.21 | 37.77 | 40.21 | 40.21 | 40.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033270 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5368 | Yes | Yes | 0.193 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.81 | 38.72 | 35.81 | 38.72 | 38.72 | 38.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Award Letter - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033272 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9006 | No | No | 0.18 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.77 | 49.76 | 49.77 | 49.76 | 49.76 | 49.76 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033291 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4479 | No | No | 0.119 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.05 | 46.05 | 46.05 | 46.05 | 46.05 | 46.05 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033292 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6384 | Yes | Yes | 0.042 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.49 | 35.42 | 35.49 | 35.42 | 35.42 | 35.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033295 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2275 | Yes | Yes | 0.012 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.19 | 24.19 | 24.19 | 24.19 | 24.19 | 24.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 12 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409033313 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3047 | Yes | Yes | 0.133 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.23 | 39.24 | 39.23 | 39.24 | 39.24 | 39.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | Unknown | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033317 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2993 | Yes | Yes | 0.155 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.68 | 39.59 | 39.68 | 39.59 | 39.59 | 39.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 34 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033323 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5215 | Yes | No | 0.143 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.59 | 42.35 | 44.59 | 42.35 | 42.35 | 42.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 35 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 7 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033342 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6447 | Yes | Yes | 0.15 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.79 | 29.79 | 29.79 | 29.79 | 29.79 | 29.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033347 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2759 | Yes | Yes | 1.498 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.66 | 40.66 | 40.66 | 40.66 | 40.66 | 40.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033357 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6581 | Yes | Yes | 0.174 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.98 | 36.98 | 36.98 | 36.98 | 36.98 | 36.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033367 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5193 | No | No | 1.607 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.95 | 46.72 | 48.95 | 46.72 | 46.72 | 46.72 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | 1099 - 12 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033374 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6109 | Yes | Yes | 0.165 | 0.223 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.68 | 23.53 | 23.68 | 23.53 | 23.53 | 23.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033375 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7707 | Yes | Yes | 0.13 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.39 | 41.38 | 42.39 | 41.38 | 41.38 | 41.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033378 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4456 | Yes | Yes | 0.21 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.02 | 17.02 | 17.02 | 17.02 | 17.02 | 17.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 11 months | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 31 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033381 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4378 | Yes | Yes | 0.465 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.21 | 33.21 | 33.21 | 33.21 | 33.21 | 33.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033414 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4070 | No | No | 0.33 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.11 | 47.12 | 47.11 | 47.12 | 47.12 | 47.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033420 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4078 | Yes | Yes | 0.214 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.56 | 38.56 | 38.56 | 38.56 | 38.56 | 38.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033442 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4298 | Yes | Yes | 0.196 | 0.196 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.65 | 29.76 | 28.65 | 29.76 | 29.76 | 29.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033462 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4095 | No | No | 0.075 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.73 | 46.91 | 48.73 | 46.91 | 46.91 | 46.91 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 48 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033490 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2634 | Yes | Yes | 1.37 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.44 | 36.77 | 35.44 | 36.77 | 36.77 | 36.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033501 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5203 | Yes | Yes | 1.462 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41 | 40.22 | 41 | 40.22 | 40.22 | 40.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 23 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033503 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5972 | Yes | Yes | 0.937 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29 | 28.82 | 29 | 28.82 | 28.82 | 28.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033508 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3599 | Yes | Yes | 0.089 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | 42.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033514 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4038 | Yes | Yes | 0.217 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.54 | 31.54 | 31.54 | 31.54 | 31.54 | 31.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033516 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3645 | Yes | Yes | 0.966 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.79 | 36.79 | 36.79 | 36.79 | 36.79 | 36.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 11 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033771 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2844 | Yes | Yes | 0.198 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.58 | 22.01 | 22.58 | 22.01 | 22.01 | 22.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Bank Statements - 8 months;<br> Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L Only - 11 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033774 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6471 | No | No | 1.716 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.85 | 49.92 | 49.85 | 49.92 | 49.92 | 49.92 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409033783 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6807 | Yes | Yes | 0.2 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.6 | 36.05 | 35.6 | 36.05 | 36.05 | 36.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033815 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1791 | No | No | 0.504 | 0.504 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | 44.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033863 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2745 | Yes | Yes | 0.014 | 0.142 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.75 | 41.8 | 41.75 | 41.8 | 41.8 | 41.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033873 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4025 | Yes | Yes | 0.232 | 0.232 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.32 | 31.31 | 31.32 | 31.31 | 31.31 | 31.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 7 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033885 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3649 | Yes | Yes | 1.162 | 1.157 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.07 | 38.12 | 38.07 | 38.12 | 38.12 | 38.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 35 months;<br> W2 - 12 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 35 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033896 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 5.8664 | No | No | 1.201 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.56 | 48.07 | 49.56 | 48.07 | 48.07 | 48.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033901 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0261 | Yes | Yes | 0.141 | 0.141 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.42 | 26.44 | 27.42 | 26.44 | 26.44 | 26.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033911 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | High Rise Condo (9+) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5302 | Yes | Yes | 0.199 | 0.199 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.91 | 26.29 | 23.91 | 26.29 | 26.29 | 26.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033916 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | (No Data) | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | Not Applicable | 6.4235 | Yes | Yes | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.52 | 39.02 | 39.52 | 39.02 | 39.02 | 39.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033917 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1340 | Yes | Yes | 1.274 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.7 | 38.7 | 38.7 | 38.7 | 38.7 | 38.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033976 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0583 | No | No | 0.22 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.06 | 43.6 | 44.06 | 43.6 | 43.6 | 43.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 35 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 35 months | Paystub - 35 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033987 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9806 | No | No | 1.049 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.23 | 48.23 | 48.23 | 48.23 | 48.23 | 48.23 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033991 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3081 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39 | 39.23 | 39 | 39.23 | 39.23 | 39.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033992 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0175 | Yes | Yes | 0.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.45 | 26.47 | 26.45 | 26.47 | 26.47 | 26.47 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034008 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | High Rise Condo (9+) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9516 | Yes | Yes | 0.728 | 0.728 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.21 | 41.72 | 39.21 | 41.72 | 41.72 | 41.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 2 months | Award Letter - 12 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5348 | Yes | Yes | 0.182 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.91 | 32.7 | 32.91 | 32.7 | 32.7 | 32.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034024 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.7188 | Yes | Yes | 0.94 | 9401.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33 | 32.78 | 33 | 32.78 | 32.78 | 32.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034035 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | (No Data) | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | Not Applicable | 5.9605 | Yes | Yes | 0.121 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.66 | 37.27 | 38.66 | 37.27 | 37.27 | 37.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034052 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5273 | Yes | Yes | 0.122 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.99 | 41.6 | 41.99 | 41.6 | 41.6 | 41.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months | 1099 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0621 | Yes | Yes | 0.198 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 35 months | Personal Tax Return - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034070 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1456 | Yes | Yes | 0.176 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.57 | 20.73 | 19.57 | 20.73 | 20.73 | 20.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034077 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5258 | Yes | Yes | 1.68 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034083 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4799 | Yes | Yes | 1.029 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.59 | 34.59 | 34.59 | 34.59 | 34.59 | 34.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | 1099 - 24 months;<br> Award Letter - 1 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034092 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4191 | Yes | Yes | 0.159 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37 | 37.03 | 37 | 37.03 | 37.03 | 37.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034120 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1503 | No | No | 0.205 | 0.205 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.55 | 48.28 | 47.55 | 48.28 | 48.28 | 48.28 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034128 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5288 | No | No | 0.14 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034131 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0036 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.68 | 20.83 | 20.68 | 20.83 | 20.83 | 20.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 11 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034133 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5542 | Yes | Yes | 0.157 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.57 | 40.11 | 41.57 | 40.11 | 40.11 | 40.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034154 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5287 | No | No | 0.245 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.4 | 49.98 | 48.4 | 49.98 | 49.98 | 49.98 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034164 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR-Attached | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5094 | Yes | Yes | 0 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.13 | 31.86 | 32.13 | 31.86 | 31.86 | 31.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034167 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6690 | Yes | Yes | 0.172 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.32 | 31.3 | 31.32 | 31.3 | 31.3 | 31.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 22 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> P & L - 11 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034198 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6479 | No | Yes | 0.961 | Missing | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 44.48 | 42.99 | 44.48 | 44.48 | 44.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034239 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2851 | No | No | 0.253 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.89 | 47.39 | 46.89 | 47.39 | 47.39 | 47.39 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 10 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034288 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2787 | Yes | Yes | 0.224 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.01 | 32.01 | 32.01 | 32.01 | 32.01 | 32.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034367 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0254 | No | No | 0.194 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.62 | 46.62 | 46.62 | 46.62 | 46.62 | 46.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034377 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5298 | Yes | Yes | 0.242 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034966 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8554 | Yes | Yes | 1.092 | 1.092 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.12 | 8.12 | 8.12 | 8.12 | 8.12 | 8.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035111 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1451 | Yes | No | 0.137 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.44 | 38.83 | 45.44 | 38.83 | 38.83 | 38.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 11 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035192 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5350 | Yes | Yes | 0.168 | 0.168 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.84 | 33.33 | 40.84 | 33.33 | 33.33 | 33.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 23 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Award Letter - 1 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035196 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2661 | Yes | No | 0.126 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.37 | 42.06 | 44.37 | 42.06 | 42.06 | 42.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409035425 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1277 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.65 | 15.57 | 18.65 | 15.57 | 15.57 | 15.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035426 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3941 | Yes | Yes | 0.181 | 0.181 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.95 | 36.46 | 37.95 | 36.46 | 36.46 | 36.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035427 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0467 | Yes | Yes | 0.404 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.65 | 21.96 | 22.65 | 21.96 | 21.96 | 21.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035428 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3953 | No | No | 0.156 | 0.156 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.53 | 47.06 | 49.53 | 47.06 | 47.06 | 47.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035429 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6584 | Yes | Yes | 0.082 | 0.082 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.48 | 41.52 | 35.48 | 41.52 | 41.52 | 41.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | P & L Only - 12 months | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035432 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1009 | No | No | 2.213 | 2.213 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.61 | 43.73 | 44.61 | 43.73 | 43.72 | 43.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 7 months;<br> Personal Tax Return - 12 months | CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 7 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035434 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8821 | Yes | Yes | 1.302 | 1.302 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.92 | 31.33 | 32.92 | 31.33 | 31.33 | 31.33 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035613 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1510 | Yes | Yes | 0.236 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.12 | 25.04 | 25.12 | 25.04 | 25.04 | 25.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409036689 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4113 | No | No | 0.717 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47 | 46.4 | 47 | 46.4 | 46.4 | 46.4 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037005 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8622 | Yes | Yes | 0.177 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.17 | 22.9 | 23.17 | 22.9 | 22.9 | 22.9 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037168 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3007 | Yes | Yes | 0.161 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.95 | 36.7 | 35.95 | 36.7 | 36.7 | 36.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 36 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.5

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** | **8/1/2025 - 1/16/2026** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **396** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *396* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 409017960 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019415 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019467 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019475 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019540 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019553 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020719 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020753 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409020846 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021028 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021085 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021126 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021138 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021217 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021270 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021294 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021699 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021790 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021822 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021841 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022113 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409022145 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022268 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022298 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023649 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023687 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023739 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409023768 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023779 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023871 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023909 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023950 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023993 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024045 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024274 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024379 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024408 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024424 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024451 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024452 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024473 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024497 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024537 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024551 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024793 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024856 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025132 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025177 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025178 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025419 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025435 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025611 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025646 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025649 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025655 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025682 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025712 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025730 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025734 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025759 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025777 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025778 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025853 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) |
| 409025927 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025940 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025961 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025981 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026006 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026008 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026014 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026043 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026051 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026071 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026088 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026092 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026105 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026126 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026139 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026153 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026161 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026176 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026184 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026209 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026218 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026226 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026295 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026303 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026311 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026355 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026370 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026384 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026430 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026438 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026464 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026469 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026539 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026564 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026594 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026625 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026627 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026635 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026638 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026661 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026675 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026905 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026920 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026981 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026987 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026989 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026990 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409027003 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027012 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027021 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027033 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027035 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027054 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027081 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028857 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028860 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028861 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028993 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409029025 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029028 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029086 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029116 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409029119 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029137 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029139 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029143 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409029144 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029146 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029152 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029158 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029164 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029170 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029179 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029197 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029200 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029217 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409029249 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029260 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029265 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029293 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029300 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029305 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029313 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409030254 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030445 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030451 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030452 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030463 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030482 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030489 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030500 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030518 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030521 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030549 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030554 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409030580 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030598 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030603 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030612 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030629 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030634 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030657 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030888 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030910 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030981 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030986 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031025 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031039 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031054 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031071 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031072 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031080 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031091 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031102 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031108 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031113 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031141 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031144 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031146 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031150 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031172 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031183 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031194 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031220 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031242 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031247 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031248 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031250 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031254 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031280 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031286 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031290 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031482 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031511 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031517 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031536 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031537 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031554 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031557 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031562 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031565 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031566 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031573 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031575 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031587 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031601 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031615 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031618 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031625 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031634 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031638 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031651 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031654 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031655 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031665 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031670 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031678 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031684 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031686 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031688 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031690 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031712 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031714 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031715 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031716 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031722 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031805 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031806 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031807 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031809 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031811 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032133 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032135 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032176 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032226 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032227 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032235 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032242 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032243 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032251 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032252 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032254 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032255 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032259 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032267 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032277 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032281 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032368 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032369 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032372 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032390 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032393 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032409 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032419 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032423 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032427 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032477 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032532 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032533 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032538 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032547 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032551 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032552 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032553 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032558 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032559 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032591 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032596 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032597 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032601 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032602 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032603 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032606 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032632 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032725 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032728 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032729 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032741 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032756 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032771 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032778 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032781 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032790 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032793 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032794 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032798 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032801 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032809 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032815 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032823 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032843 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032921 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032928 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032950 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032956 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032961 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032964 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032966 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032985 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033002 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033003 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033006 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033185 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033236 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033238 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033253 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033266 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033270 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033272 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033291 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033292 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033295 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033313 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033317 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033323 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033342 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033347 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033357 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033367 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033374 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033375 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033378 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033381 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033414 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033420 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033442 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033462 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033490 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033501 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033503 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033508 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033514 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033516 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033771 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033774 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033783 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033815 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033863 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033873 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033885 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033896 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033901 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033911 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033916 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033917 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033976 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033987 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033991 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033992 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034008 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034012 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034024 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034035 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034052 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034070 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034077 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034083 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034092 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034120 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034128 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034131 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034133 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034154 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034164 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034167 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034198 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034239 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034288 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034367 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034377 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |
| 409034966 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035111 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035192 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035196 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035425 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035426 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035427 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035428 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035429 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035432 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035434 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035613 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036689 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037005 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037168 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |

---

## Exhibit 99.6

---

| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **SEMT 2026-2** | **SEMT 2026-2** |  |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** | **8/1/2025 - 1/16/2026** |  |
| **Deal Loan Count:** | **396** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *396* |  |  |
| ***Loans with Conditions:*** | *276* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **455 - Total Satisfied Conditions** | **455 - Total Satisfied Conditions** |  |  |
|  |  | 123 - Credit Review Scope | 123 - Credit Review Scope |
|  |  |  | 4 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 19 - Category: Assets |
|  |  |  | 16 - Category: Credit/Mtg History |
|  |  |  | 11 - Category: DTI |
|  |  |  | 33 - Category: Income/Employment |
|  |  |  | 9 - Category: Insurance |
|  |  |  | 4 - Category: Legal Documents |
|  |  |  | 22 - Category: Terms/Guidelines |
|  |  |  | 5 - Category: Title |
|  |  | 18 - Property Valuations Review Scope | 18 - Property Valuations Review Scope |
|  |  |  | 16 - Category: Appraisal |
|  |  |  | 2 - Category: Property |
|  |  | 314 - Compliance Review Scope | 314 - Compliance Review Scope |
|  |  |  | 15 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 13 - Category: Compliance Manual |
|  |  |  | 11 - Category: Documentation |
|  |  |  | 1 - Category: Federal Consumer Protection |
|  |  |  | 4 - Category: Finance Charge Tolerance |
|  |  |  | 13 - Category: RESPA |
|  |  |  | 13 - Category: Right of Rescission |
|  |  |  | 1 - Category: State Consumer Protection |
|  |  |  | 243 - Category: TILA/RESPA Integrated Disclosure |
| **59 - Total Waived Conditions** |  |  |  |
|  |  | 37 - Credit Review Scope | 37 - Credit Review Scope |
|  |  |  | 3 - Category: Assets |
|  |  |  | 4 - Category: Credit/Mtg History |
|  |  |  | 12 - Category: Income/Employment |
|  |  |  | 9 - Category: Insurance |
|  |  |  | 3 - Category: LTV/CLTV |
|  |  |  | 1 - Category: Re-Verifications |
|  |  |  | 4 - Category: Terms/Guidelines |
|  |  |  | 1 - Category: Title |
|  |  | 4 - Property Valuations Review Scope | 4 - Property Valuations Review Scope |
|  |  |  | 2 - Category: Appraisal |
|  |  |  | 2 - Category: Property |
|  |  | 18 - Compliance Review Scope | 18 - Compliance Review Scope |
|  |  |  | 1 - Category: Documentation |
|  |  |  | 2 - Category: RESPA |
|  |  |  | 14 - Category: Right of Rescission |
|  |  |  | 1 - Category: State Consumer Protection |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-2** |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** |
| **Deal Loan Count:** | **396** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *396* |
| ***Loans with Conditions:*** | *276* |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 40XXX17960 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX194XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Final XXX3 indicates borrowers' departure residence has been sold and no PITI payment was included in the debts. File is missing a Settlement Statement/Closing Disclosure verifying this property has been sold and the mortgage has been paid off. | 10.1.2025 Client provided duplicate loan closing statement (in file pg. xxx) for XXX however per initial condition missing executed Final CD or HUD-1 from sale of departure home: XXX. PITIA for this property was omitted. Condition remains 10.10.2025 Client provided a Final Equity / Closing statement, not the normal HUD-1 or CD and not executed however says Final. Final Equity statement from the relocation company: xxx verifying XXX paid off and borrower netting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX19467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file | 10/14/25 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 40XXX19467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The file contains only the Final CD XXX signed at closing. Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply. | 10/14/25 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 40XXX194XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX194XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Verification fee on CD XXX. COC dated XXX doesn't include a valid reason as to why fee was added. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 09/XXX/25 Client provided a XXX PCCD with $XXX tolerance cure credit, LOE to borrower and Email between the Lender closing team. Condition remains. Provide a copy of the $XXX refund check and proof of delivery with the tracking information.09/25/25 Client provided the $XXX check. Condition remains for the proof of delivery that includes tracking information.09/26/25 Client provided response: Check was sent via XXX, therefore we are unable to provide any tracking information. Email from Post closing team on XXX states refund was sent XXX. Condition remains. Cure for $XXX required delivery via service that includes some form of tracking. As refund was only provided via XXX provide confirmation from borrower that refund was received.10/08/25 Client provided an Email confirmation from Borrower that they received the refund. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX194XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | 1) Lender used XXX in the amount of $XXX this is not the borrower's it belongs to borrower's father, who will be moving in with borrower, however he is not on the loan, short funds to close in the amount of $XXX | 9.XXX.2025 Client provided a wire of $XXX XXX Bank, says coming from XXX and Gift letter in file for same amount of $XXX and appears the XXX is in borrower name, not XXX name. Borrower name is same on XXX. Condition remains for evidence of Title company receipt of this gift, no info on wire of what Title company will receive this gift and subject address not reflected on as a description, unable to determine Title company in receipt of this wire gift funds of $XXX9/17 Client provided evidence of wire to title $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX194XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Gift letter in file from XXX in the amount of $XXX no evidence borrower received these funds, additional conditions may apply, total reserves require $XXX per AUS | 9.XXX.2025 Client provided a wire of $XXX XXX Bank, says coming from XXX and Gift letter in file for same amount of $XXX and appears the XXX is in borrower name, not XXX name. Borrower name is same on XXX. Condition remains for evidence of Title company receipt of this gift, no info on wire of what Title company will receive this gift and subject address not reflected on as a description, unable to determine Title company in receipt of this wire gift funds of $XXX9/17 Client provided evidence of wire to title $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income and VOE docs | 11.21.2025 Client provided P/L and Balance Sheet and Lender cash flow income analysis with XXX calculation however still missing the following: 20XXX 1040 Schedule E reflects : 'Various XXX ' for Property A with XXX rents received in line 3.Provide sufficient documentation as to what properties this income is attached to. May be subject to additional conditions upon review. 12.4.2025 Client provided a CD for XXX. and a end of year 20XXX balance sheet and end of year 20XXX income statement. Response, documentation provided not pertaining to initial condition. Initial condition remains 12.10.2025 Client provided duplicate (in file pg. 469) copy of executed Lease agreement for XXX however did not address or did not provide documentation pertaining to initial condition. Initial condition remains 12/19 Client asked for a review on review the P&L provided shows the properties tied to the rental income, and additional REOS which are commercial. | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> B<br> A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Final CD XXX signed by Borrower is missing from file. | 11/14/25 Client provided a duplicate copy of the XXX Final CD signed only by the non-borrower. Condition remains. Provide the Final CD signed by the primary Borrower for further testing.11/XXX/2025 Client provided interim CD XXX Signed by Borrower on 10/1 however has a different Cash out amount from the Final 10/1 CD. Condition remains. Provide the Final CD executed at closing by both Borrower and Co-Borrower for Final Testing along with the Alta/Settlement Statement or Disbursement Ledger matching that matches. 12/04/25 Client provided a duplicate copy of the interim CD XXX, signed by Borrower only, on XXX. Condition remains. Lender to provide detailed explanation for why the primary Borrower was given a CD issued on XXX, Signed on XXX (at closing), with Cash to Close of $XXX and the Non-Borrowing title holder was given a CD issued on XXX, Signed on XXX (at closing), with Cash to Close of $XXX. Unable to perform final testing due to the "Final CD" discrepancy. Subject to re-review.12/20/25 Client provided an LOE from the Lender Closer stating the payoff amount changed on the day of Closing (XXX) per the Closing Agent. The Cash to Borrower changed from $XXX to $XXX. The Borrower and Non-Borrowers spouse should have both signed the new CD reflecting the Cash to Borrower amount of $XXX. Condition remains. So far, we only have the XXX CD signed by the Non-Borrower. Provide the missing XXX for the primary Borrower with the Cash to Close amount of $XXX. Subject to re-testing.01/XXX/26 Client provided another duplicate copy of the interim CD XXX signed by Borrower on XXX (incorrect Cash to Close of $XXX). Condition remains. Provide the missing XXX Final CD, signed by Borrower at Closing on XXX, that reflects the corrected Cash to Close of $XXX. Subject to re-testing.01/16/2026 Client provided missing Final CD XXX signed by Borrower at closing reflecting C/O of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Triggered due to Final CD signed by Borrower is missing from file | 11/14/25 Client provided a duplicate copy of the XXX Final CD signed only by the non-borrower. Condition remains. Provide the Final CD signed by the primary Borrower for further testing.11/XXX/2025 Client provided interim CD XXX Signed by Borrower on 10/1 however has a different Cash out amount from the Final XXX CD. Condition remains. Provide the Final CD executed at closing by both Borrower and Co-Borrower for Final Testing along with the Alta/Settlement Statement or Disbursement Ledger matching that matches.12/04/25 Client provided a duplicate copy of the interim CD XXX, signed by Borrower only, on XXX. Condition remains. Lender to provide detailed explanation for why the primary Borrower was given a CD issued on XXX, Signed on XXX (at closing), with Cash to Close of $XXX and the Non-Borrowing title holder was given a CD issued on XXX, Signed on XXX (at closing), with Cash to Close of $XXX. Unable to perform final testing due to the "Final CD" discrepancy. Subject to re-review.12/20/25 Client provided an LOE from the Lender Closer stating the payoff amount changed on the day of Closing (XXX) per the Closing Agent. The Cash to Borrower changed from $XXX to $XXX. The Borrower and Non-Borrowers spouse should have both signed the new CD reflecting the Cash to Borrower amount of $XXX. Condition remains. So far, we only have the XXX CD signed by the Non-Borrower. Provide the missing XXX for the primary Borrower with the Cash to Close amount of $XXX. Subject to re-testing.01/XXX/26 Client provided another duplicate copy of the interim CD XXX signed by Borrower on XXX (incorrect Cash to Close of $XXX). Condition remains. Provide the missing XXX Final CD, signed by Borrower at Closing on XXX, that reflects the corrected Cash to Close of $XXX. Subject to re-testing.01/16/2026 Client provided missing Final CD XXX C/O of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX0 | Income docs do not meet guidelines | No | So Hi Drive REO lease not executed by Borrower; please provide. | 11.21.2025 Client provided pg. 9 of 9 lease executed by Landlord/subject Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | 20XXX 1040 Schedule E reflects : 'Various XXX ' for Property A with XXX rents received in line 3.Provide sufficient documentation as to what properties this income is attached to. May be subject to additional conditions upon review. | 11.21.2025 Client provided P/L and Balance Sheet and Lender cash flow income analysis with XXX calculation however no documentation provided pertaining to initial condition. Initial condition remains 12.4.2025 Client provided a CD for XXX and a end of year 20XXX balance sheet and end of year 20XXX income statement. Response, documentation provided not pertaining to initial condition. Initial condition remains 12.10.2025 Client provided duplicate (in file pg. 469) copy of executed Lease agreement for XXX however did not address or did not provide documentation pertaining to initial condition. Initial condition remains 12/19 Client asked for a review on review the P&L provided shows the properties tied to the rental income, and additional REOS which are commercial. | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, provide below for 1120s.May be subject to additional conditions upon review." The Fannie Mae 1084, or Freddie Mac Form XXX or equivalent is required for XXX analysis. The most recent Form 1084 or Form XXX should be used based on application date. Instructions per Form 1084 or Form XXX must be followed. - Provide.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1. - Provide. ? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets." | 11.21.2025 Client provided Lender Cash Flow Income Analysis for XXX borrower with calculation used for qualifying along with passing of Liquidity worksheet calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX40 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> C<br> B | CRDINCXXX88 | Verbal verification of employment missing | No | Provide VOE for B1 1120s meeting guidelines. May be subject to additional conditions upon review. | 11.21.2025 Client provided P/L and Balance Sheet however initial condition is for missing B1 3rd party VVOE for XXX 1120s XXX. Condition remains 11.21.2025 Client provided SOS dated 11.13.2025 (post close dated) for B1 XXX (Note date XXX), condition remains for prior to closing 3rd party VVOE for XXX11/21 Client provided an approved exception to allow the file with the post close dated SOS | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months<br>|
| 40XXX1XXX53 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX1XXX53 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | FTHB.Provide most recent XXX month VOR meeting guidelines. May be subject to additional conditions upon review. | 9.9.26.2025 Client provided VOR (completed XXX date) however do not reflect anything for No. of late payments past due 30 in the last XXX months. Condition remains for completed VOR, including something in the blank (0 if applicable), etc. 9.30.2025 Client provided updated completed VOR | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX20719 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Lender credits decreased on final CD XXX from $XXX to $XXX without a COC in file. Tolerance cure required for $XXX. Provide a letter of explanation, updated Post Closing Disclosure, a copy of refund and proof of delivery with tracking. | 09/XXX/25 Client provided a missing XXX COC and CD validating the Credit decrease. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement. No additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX20719 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Credit | Title | Satisfied<br> B<br> A | CRDTIL8XXX | Title Does Not Agree With Mortgage | No | Title: B1 and B2 , husband and wife DOT: B1 and B2, as tenants by the entirety Provide updated matching documents. May be subject to additional conditions upon review. | 9.25.2025 Client provided updated Title reflecting same vesting as Mortgage, adding as Tenants by the Entirety. Both DOT and Title reflect same vesting. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement. No additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX20XXX3 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Missing initial CD XXX issued to non-borrower and acknowledged a minimum of XXX days prior to closing. If disclosure was sent via email, a prior e-consent is also required. | 09/XXX/25 Client provided a copy of the XXX Initial CD and an e-signature log. Condition remains. The e-signature log does not reflect delivery to the non-borrowing title holder (Signers shows only the borrower's email address). Provide the confirmation of delivery/receipt for the non-borrowing title holder.09/16/2025 Client provided a Collaborate comment stating Documents uploaded for review. Condition remains. Documents received are copies of documents previously provided as proof of Borrower receipt. Condition remains as is. Provide the confirmation of delivery/receipt for the non-borrowing title holder.10/07/25 Client provided a copy of the Initial XXX CD hand signed by the non-borrowing title holder on XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned the subject property for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX20846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXx%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX20846 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Income/Employment | Waived<br> C<br> B | CRDINCXXX88 | Verbal verification of employment missing | No | Missing verification of the existence of all the borrowers XXX to be verified through a third-party source and be no more than XXX calendar days prior to the Note date XXX. Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source. | 9.12.2025 Client provided SOS for 3 XXX businesses: XXX and XXX and XXX however none are dated. Condition remains, these 3 XXX 3rd party VVOE unable to verify when verified due to SOS are not dated. 9/XXX Client provided an approved exception to allow the file with the three VOES un dated | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; LTV below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX21028 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXX21085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Terms/Guidelines | Waived<br> B | CRDTER4643 | Borrower does not meet guideline requirements | No | Per LOX in file borrower employed in XXX from XXX to XXX. Per guideline Non Permanent Resident borrowers required to be employed within the U.S. within the most recent XXX months. | Client provided exception approval XXX for gap of employment within the last XXX months | xxxs final grade B due to all guidelines were met with comp factors of XXX months with current employer, XXX months post-closing reserves. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments:<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX - or XXX-months PITI exceed guidelines<br>|
| 40XXX21126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $XXX in reserves or XXX months PITI. XXX months or $XXX required. Provide additional assets. | 9.19.2025 Client provided Lender breakdown of assets and appears the asset in question is not being used by Lender, with only considering the assets used by Lender reserves would be $XXX in which is insufficient for transaction, Borrower is FTHB/XXX months required for FTHB + XXX months for XXX = XXX months reserved for this transaction. Condition remains for evidence of additional assets to cover XXX months reserves. Initial condition remains for additional month for XXX accounts and cash flow analysis covering the XXX months (if going to be used towards reserves). Upon receipt of documentation adjustment to assets is required, if initial condition documentation is not provided. Condition remains for initial documentation and XXX months reserves to be verified. Note: with including these 3 XXX business account, still would be short reserves, including the business accounts would verify XXX months reserves (XXX months required) and without including these would verify only 9 months reserves. 9.22.2025 Client provided Lender LOX and some assets documentation and LOX in Collaborate states prior update is based on XXX 30 guidelines however file was reviewed to XXX AUS. Response, DD Firm reviewed file to XXX 30 YR. Condition remains Note: lender XXX8 says manual underwritten, not AUS. fyi 9.25.2025 Client provided Lender XXX8 showing as AUS vs Manual however file was reviewed to XXX 30 YR, not AUS. Condition remains, please clarify with the updated XXX8 showing as AUS now, is file being re-locked to XXX AUS vs XXX 30 YR. Condition remains for copy of updated lock if switching from XXX 30 yr to XXX AUS. 10.1.2025 Client provided lender updated XXX8 showing as DU AUS however if file have been re-locked to XXX AUS will need a copy of the lock as XXX AUS for re-review under new program: XXX 30 YR and initial condition to be re-reviewed under new program. 10.5.2025 Client provided LOX email requesting re-review file to XXX AUS to allow lessor assets/reserves, unverified reserves have been removed for updated reserves of XXX months previously required XXX months reserves under prior program. FTHB XXX months reserves required for this transaction (under XXX AUS). Condition remains for updated lock as XXX AUS to allow use of XXX months reserves. 10.6.2025 Client provided updated lock as XXX AUS | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>|
| 40XXX21126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX statement for XXX#XXX and XXX months Cash Flow Analysis. This is a business account Missing XXX months (or XXX months if business accounts and CFA) for XXX #XXX/XXX/XXX.Additional conditions may apply | 9.19.2025 Client provided Lender breakdown of assets and appears the asset in question is not being used by Lender, with only considering the assets used by Lender reserves would be $XXX in which is insufficient for transaction, Borrower is FTHB/XXX months required for FTHB + XXX months for XXX = XXX months reserved for this transaction. Condition remains for evidence of additional assets to cover XXX months reserves. Initial condition remains for additional month for XXX accounts and cash flow analysis covering the XXX months (if going to be used towards reserves). Upon receipt of documentation adjustment to assets is required, if initial condition assets documentation is not provided. Condition remains for initial documentation and XXX months reserves to be verified. Note: with including these XXX XXX business account, still would be short reserves, including these accounts would verify XXX months reserves (XXX months required) and without including these would verify only XXX months reserves. 9.22.2025 Client provided Lender LOX and some assets documentation and LOX in Collaborate states prior update is based on XXX 30 however file was reviewed to XXX AUS. Response, DD Firm reviewed file to XXX 30 YR. Condition remains Note: Lender XXX8 says Manual underwritten, not AUS (fyi) 9.25.2025 Client provided Lender XXX8 showing as AUS vs Manual however file was reviewed to XXX 30 YR, not AUS. Condition remains, please clarify with the updated XXX8 showing as AUS now, is file being re-locked to XXX AUS vs XXX 30 YR. Condition remains for copy of updated lock if switching from XXX 30 yr to XXX AUS. 10.1.2025 Client provided lender updated XXX8 showing as DU AUS however if file have been re-locked to XXX AUS will need a copy of the lock as XXX AUS for re-review under new program: XXX 30 YR and initial condition to be re-reviewed under new program with receipt of the updated lock as AUS 10.5.2025 Client provided LOX email requesting re-review file to XXX AUS to allow lessor assets/reserves, unverified reserves have been removed for updated reserves of XXX months previously required XXX months reserves under prior program. This condition is being satisfied, separate condition on file for copy of updated lock as XXX AUS | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>|
| 40XXX2XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been self employed XXX years.<br>|
| 40XXX21217 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX21217 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Credit Report Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 10/01/25 Client provided a missing XXX COC and XXX LE/Tracking validating the increased Credit Report fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX21270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXXor X months required.<br>|
| 40XXX21294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 40XXX21699 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX217XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX pitia verified assets is sufficient to cover required reserves $XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX is XXX point above required minimum of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% dti is 9% below program max of XXX%<br>|
| 40XXX21822 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>|
| 40XXX21841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | As per Disclosure tracking summary, revised LE XXX was issued but is missing in file. | 09/22/25 Client provided the XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum requirement of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX - or XXX - months PITI exceed guideline requirement.<br>|
| 40XXX21841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum requirement of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX - or XXX - months PITI exceed guideline requirement.<br>|
| 40XXX22XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per Mavent, COC and disclosure details in file, the last LE XXX was sent to borrowers. LE XXX is missing from file, please provide | 10/02/2025 Client provided 2 copies of missing LE XXX COC's XXX, XXX, XXX, and other XXX disclosures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX22XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX22XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Transfer Taxes from $XXX on initial LE XXX to $XXX on final CD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/02/2025 Client provided missing XXX COC reflecting change from a refi to a purchase transaction, ARM to Fixed resulting in change of taxes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX22XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID50XXX | TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures | No | Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures section of final CD dated XXX. | 10/02/2025 Client asked for clarification. The escrow waiver fee is listed in section A $XXX. Page 4, Will not have an escrow section, the Escrow waiver fee is missing. Should reflect in No escrow, under the Estimated property Costs over XXX year $XXX. Provide corrected PCCD with LOE to Borrowers. 10/09/25 Client provided a corrected PCCD. Condition remains for the LOE to borrower.10/XXX/25 Client provided the XXX PCCD and LOE to borrower. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX22XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing verification of property tax and hazard insurance premium amounts for departure residence. Used total PITI payment of $XXX from final XXX3 for recalculations. | 9/XXX Client provided departure mortgage statement with PITI | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX22XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Property | Waived<br> B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Subject property sight size of 41.88 acres exceeds the maximum allowable size of 40 acres. An approved exception request was provided in the file. | 10/17/2025 client provided an approved exception for acreage exceeding guidelines. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX22145 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; $XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>|
| 40XXX22268 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX22268 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Recording fee increased from Initial CD XXX $XXX to final CD XXX $XXX. Increase exceeds allowable XXX% variation. No COC provided validating increase or cure provided on final CD. Condition pending receipt detailed COC with increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | 10/XXX/25 Client provided a XXX PCCD with cure, refund check, LOE and Email showing delivery via tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX22298 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX22340 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>|
| 40XXX23649 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers credit revolving utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have had timely mortgage payments with no history of derogatory occurrences.<br>|
| 40XXX23687 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 40XXX23739 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX23768 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Per guidelines, Provide the most recent asset statement(s) for XXX#XXX covering a two-month period. A copy of the XXX statement is in the file. | 12.1.2025 Client provided prior XXX #XXX(June statement), with file having XXX statement | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX for unlimited cash out.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>|
| 40XXX23768 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Waived<br> C<br> B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide documentation to source the large deposit of $XXX into XXX#XXX on XXX | 12.10.2025 Client provided an email from Borrower stating all checks were from our insurance company,XXX, who were paying us out on our claim, across different coverage line items. Response, source/documentation is needed for loan file, per LOX from borrower says: I have attached proof of check for the XXX and XXX deposits, etc. however no checks etc. was provided only an email LOX was provided. Condition remains to document the large deposit of $XXX into XXX1.5.2026 Client provided duplicate (in file) copy of two checks for loss of use ($XXX and $XXX) however the initial condition is pertaining to a deposit of $XXX into XXX#XXX on XXX; documentation provided is not the large deposit source that was requested. Condition remains for evidence of source of deposit of $XXX1/8 Client provided an exception to allow the file without further evidence of large deposit from insurance | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX for unlimited cash out.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>|
| 40XXX23768 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3XXX | Loan documents do not meet guideline requirements | No | XXX Approved Exception XXX for SBA loan that will subordinate with subject. All guidelines were met and comp factors of Low LTV XXX% and $XXX reserves, per exception. | 11/21 Upon review exception will be applied once all open conditions and sufficient reserves are met; Per exception $XXX Min reserves and verified reserves are $XXX; Provide additional reserves per exception 11/XXX Client provided an updated approved exception with Min reserves of $XXX' Exception is pending open conditions 1/8 approved exception applied | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX for unlimited cash out.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least three day prior to closing date. | 09/30/2025 Client provided Duplicate CD XXX e-signed by Both on XXX with Audit trail. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 09/30/2025 Client provided duplicate CD XXX e-signed by Both on XXX with Audit trail. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA for Subject Property. There is a CDA in file, however it is not for the subject property. | 10.1.2025 Client provided a CD however initial condition is for missing 3rd party CDA valuation. Condition remains for a 3rd party CDA valuation supporting value. 10.3.2025 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX23871 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX23871 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Subject hoi coverage of $XXX is insufficient for the $XXX (XXX% of insurable value) required. | 11.17.2025 Client provided XXX property estimated calculation for subject property, sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX23871 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | XXX effective date is after the disbursement date of XXX | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 10/22/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX23XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial, and if applicable any revised, CD acknowledged by borrower min 3 days prior to closing date. | 10/22/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX23XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Loan Consummated on XXX; ROR Expiration Date is XXX Final CD XXX indicates Disbursement Date of XXX; Condition is pending receipt of final ALTA statement reflecting later disbursement date, & corrected dates on PCD with LOE to borrower | 11/XXX/25 Client provided an LOE to borrower, XXX PCCD changing the Disbursement Date to XXX and a stamped "Estimated" ALTA that still reflects Disbursement on XXX. Condition remains. Provide a copy of the Final signed/stamped ALTA showing the loan did not disburse until XXX, per the PCCD.12/03/25 Client provided the Final ALTA reflecting Disbursement on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI in reserves.<br>|
| 40XXX23XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | File includes XXX Exception Approval XXX for General Waiver-1. | 12/8 Client provided an approved exception to allow the file closing in a blind trust | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI in reserves.<br>|
| 40XXX23993 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves re<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXXXXX045 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX0 | Income docs do not meet guidelines | No | XXX YTD income has declined from both XXX and XXX. Per guidelines: "In all cases, the decline in income must be analyzed to determine if the rate of decline would have a negative impact on the continuance of income and the borrowers ability to repay. The borrower should provide an explanation for the decline (needed) and the underwriter should provide a written justification for including the declining income in qualifying (needed)." May be subject to addition conditions upon review. | 12.18.2025 Client provided Borrower LOX regarding declining in income from XXX to YTD P/L XXX and provided Lender UW Cover letter worksheet regarding income. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 40XXXXXX045 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Per guidelines below, please provide for 1120s: "Income calculation worksheet with income calculation. The Fannie Mae 1084, or Freddie Mac Form XXX or equivalent is required for self-employment analysis. The most recent Form 1084 or Form XXX should be used based on application date. Instructions per Form 1084 or Form XXX must be followed." | 12.18.2025 Client provided Lender Cash Flow Income Analysis supporting income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REO<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 40XXXXXX082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per COCs XXX, XXX, & XXX, Revised CDs were issued but are missing in file. | 12/02/2025 Client provided duplicates of COC's XXX, XXX and XXX already in the file. Condition remains for the revised CD's corresponding to the COC's.12/10/25 Client provided a duplicate copy of the XXX CD, along with the missing XXX the missing CD corresponding to the XXX COC.12/17/2025 Client provided rebuttal with copy of the Disclosure Summary reflecting that the 1st CD XXX was not included in the time line and the 2nd XXX CD with the Extension fee added as stated on the COC XXX and another copy of the CD XXX. Per disclosure history, all disclosures in timeline have been received. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXXXXX082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC3268 | Note in file is incomplete | No | Only 1st page of Note found in file, please provide a complete copy of executed Note. | 12/02/2025 Client provided fully executed, all pages of the Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXXXXX2XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 40XXXXXX379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 40XXXXXX408 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance $XXX due to increased/ added title fees in B. section on initial CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/21/25 Client provided an XXX PCCD with cure, $XXX refund check, LOE and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXXXXX408 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures, including LE XXX, were emailed to borrower but a prior e-consent is missing in file. | 11/05/2025 Client provided the accepted consent for e-delivery dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXXXXX4XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to added Appraisal XXX4D Inspection fee on LE XXX with no valid reasons documented on COC XXX (Appraisal is not Subject To but came back As Is). Lender credit for tolerance cure was applied towards increased/ added title fees. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/13/25 Client provided an XXX PCCD with increased cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXXXXX4XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Final XXX3 shows B1 & B2 rented prior to residing at the subject property and are 1st time homebuyers. File is missing a VOR reflecting 0X30 in the last XXX (XXX) months. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory VOR can be provided. | 11.5.2025 Client provided LOX from family (parent) where Borrowers are residing currently rent free since XXX (covering one month) however initial condition is regarding missing rental payment history for prior rental. Note: current rental history is XXX month however prior history renting for XXX years. Missing prior rental payment history 12.10.2025 Client provided cancelled checks in the amount of $XXX from XXX - XXX possible for prior rental history and per XXX3 this was the prior monthly rent payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXXXXX4XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | A 3rd party fraud report indicates borrower 3 owns 2 additional properties located at XXX and XXX, XXX. File is missing documentation verifying the status of these properties. If still owned by the borrower, then PITI(A) payments must be verified and included in the debts. If paid by another, then XXX months cancelled checks will be required. | 12.10.2025 Client provided an LOX along with quit claim deed however it appears B3 have some affiliation with XXX and the initial condition is regarding XXX and XXX and B1 previously lived in XXX (possibly XXX #XXX or #XXX), additional documentation needed to support B3 do not own XXX and XXX and to clarify if B3 having any ownership with XXX12/22 Client asked for a review; Upon review by xxx XXX; the properties tagged on the DRIVE report have been tied to two similar addresses with same unit numbers per Borrower LOX and property reports, Client provided evidence the Properties are owned by an XXX; B3s affiliation to the commercial entity is not material as the REOs are not owned by the B3 | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXXXXX451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum guideline requirement of XXX%<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is XXX% the maximum guideline requirement of XXX%.<br>|
| 40XXXXXX452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Property Valuations | Property | Satisfied<br> C<br> A | PRVAPROP1XXX | Property Issues Indicated | No | Appraisal notes subject property has solar panels. Missing confirmation of whether the solar panels are owned or leased. | 8/XXX/2025 client provided an updated appraisal reflecting that the subject property does not have solar panels. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX FICO exceeds guideline of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX DTI below guideline of XXX<br>|
| 40XXXXXX473 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPRORXXX42 | Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) | No | Per title commitment, loan originated with the same creditor. Incorrect H8 ROR form was used for this refinance transaction. Condition is pending receiving a correct version H9 of NORTCs to all entitled to rescind to re-open rescission, LOX to borrower and a proof of delivery with tracking information. | 11/26/2025 Client provided LOX stating that both Lender and previous originating company are Affiliates and would be considered one and the same. Condition remains. LOE states one and the same resulting in H9 ROR's for an extension of new credit with the same Lender. Provide New H9 rescission documents for all title holders dated allowing for delivery, LOE and Evidence of delivery. 12/01/2025 Client provided verification of previous originating Lender is not one and same as the new Note document. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXXXXX497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX(including gift funds provided at closing) leaving XXX, or XXX months of PITI available in reserves. XXX months PITI in reserves are required. Additional asset documentation verifying sufficient assets to meet the reserve requirement are required. | 10/14 Client provided an approved exception to allow the file with reserves of $XXX or XXX months PITI | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>|
| 40XXXXXX497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | A bank statement and bank account print-out ranging from XXX to XXX were provided in the file. Full XXX months most recent statements are required. | 10/14 Client provided an approved exception to allow the file with print outs through XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>|
| 40XXXXXX497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing verification of rental payment history verifying 0X30 late payments in the last XXX months. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory VOR can be provided. | 10/14 Client provided an approved exception to allow the file without the VOR rent pay history | xxx final grade is B | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>|
| 40XXXXXX497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> D<br> B | CRDINCXXX08 | Income verification does not meet guidelines | No | It appears borrower works for family. File is missing an additional year's personal tax returns and XXX months IRS tax transcripts. XXX tax returns only were provided in the file. Also, borrowers potential ownership in the business must be addressed. | 10/14 Client provided an approved exception to allow the file with one years taxes and no transcripts | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>|
| 40XXXXXX537 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower XXX year at current employment<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXXXXX551 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX month at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guideline minimum of XXX by XXX points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months in verified assets is sufficient to cover required reserves XXX\*XXX months=$XXX.<br>|
| 40XXXXXX793 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for XXX years XXX months<br>|
| 40XXXXXX856 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX is sufficient to cover required reserves of $XXX<br>|
| 40XXX25132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR4419 | H-8 used in refinance with the same creditor; State is in a Circuit where Court has found this acceptable (exception/grading required by client) | No | Per title commitment in file, loan originated with the same lender. Incorrect Form H-8 used on a same Lender Refinance instead of H9 form. | 11/17/25 Client provided an approved exception for using incorrect ROR form. | 11/17/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 40XXX251XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM31XXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing ATR/QM Determination | 11.19.2025 Client provided lender QM Safe Harbor status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX25178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 11/XXX/25 Client provided a signed LOE from Lender stating they do not have any business relationship with any settlement provider or 3rd party in this transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX<br>|
| 40XXX25178 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX<br>|
| 40XXX25419 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX25435 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Property Valuations | Appraisal | Satisfied<br> B<br> A | PRVAAPPR167 | Appraisal not Signed | No | Appraisal as Revised on XXX is not signed by the Supervisory Appraiser. Recommend both signatures in place | 12.5.2025 Client provided updated appraisal with both appraiser signatures | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX= $XXX reserves required.<br>|
| 40XXX25611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the CD. Seller CD provided all fees were verified. Exception Satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX25611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/05/25 Client provided a missing XXX COC and LE for the increased Appraisal Fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX25611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide a copy of the signed and dated 1120S Tax Return with statements XXX attached for XXX. In lieu of a signature, business transcripts for the corresponding year may be provided on or before the closing date. | 11.25.2025 Client provided signed dated 1120S 20XXX business returns:XXX however still missing the XXX statements (requested in initial condition). Condition remains for full complete copy of 1120S 20XXX business returns with all 22 statements, currently missing the XXX statements12/8 Client provided the complete return wit stmts XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX25611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3XXX | Loan documents do not meet guideline requirements | No | Purchase Agreement indicate seller has conveyed personal property to borrower: furniture, including rugs and lamps, washer, dryer, major kitchen appliances are included in purchase price. When personal property is included in a sales price, Fannie Mae guidelines require the value of the personal property to be deducted from the sales price before applying the loan-to-value (LTV) calculation, unless the item is considered a "fixture" or is a "customary" item with a value below a certain threshold. The appraisal report must include a disclosure of all personal property, and the value must be determined and, if necessary, deducted. | 11.25.2025 Client provided updated appraisal with appraiser commenting Personal property not given any contributory value | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX25611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU AUS reflecting Credit report dated XXX. Note date XXX. | 11.17.2025 Client provided updated DU Submission #4 with credit report input date of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX25646 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE and CD e-signed by borrower however, there is no prior e-sign consent in file. Provide e-Consent for all borrowers. | 12/18/2025 Client provided missing accepted consent for e-delivery on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX= $ XXX<br>|
| 40XXX25649 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX25649 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Property Valuations | Property | Satisfied<br> B<br> A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Appraiser stated if the home was damaged & needed to be rebuilt the subject could be affected at that time for its non-conforming use. | 11/14 Client provided an updated appraisal with comments "The subject requires a variance if totally destroyed. These variances are typically approved but it is on a case by case basis"; Upon review; FNMA GLs require in the case of a Condo that is grandfathered zoning, "The appraiser must confirm from the local jurisdiction, that the property can be rebuilt to pre casualty Density/ unit count to be eligible for purchase"; condition remains for appraiser to confirm property can be rebuilt to current density per FNMA11.26.2025 Client provided updated appraisal with appraiser commenting The subject requires a variance if totally destroyed. These variances are typically approved but it is on a case by case basis. As of the effective date of this appraisal the zoning office states the property can be rebuilt to current density. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 40XXX25XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: credit score of XXX exceeds program minimum of XXX by XXX points.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is below program max of XXX% by XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months reserves exceeds required amount $XXX.<br>|
| 40XXX25682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Required Affiliate Business Disclosure | 12/04/25 Client provided an LOE from Lender stating they no longer have an ABA because they sold XXX, their only affiliate. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 40XXX25682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to Title Lender's Insurance increase and Title Binder fee added on initial CD XXX with no COC in file to support it. Borrower selected title provider from SPL, all Title fees including Recording fee are tested for XXX% violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/05/25 Client provided an LOE to borrower informing them of the tolerance violation and advising a corrected CD and $XXX refund check would be provided. Condition remains. Provide the $XXX check, PCCD showing the cure and proof of delivery that includes tracking information.12/09/25 Client provided Tracking and the delivery confirmation. Condition remains. Provide a copy of the $XXX refund check and the PCCD reflecting the cure credit.12/11/25 Client provided the $XXX refund check. Condition remains for the PCCD reflecting the cure credit.12/XXX/25 Client provided the full cure package, including the XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) |
| 40XXX25682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide XXXmonth verification of rent (VOR). | 12.4.2025 Client provided satisfactory verification of rental payment history from XXX - current (XXX) | Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 40XXX25682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide AUS findings. Per XXX8, file received DU Approve/Ineligible. | 12.4.2025 Client provided DU AUS Casefile ID 1705185827 submission #5 however need clarification regarding #11 on DU stating: The property was indicated as a mixed-use property. The lender must verify that the borrower is the owner and operator of the business, the property is primarily residential in nature and the dwelling has not been modified in a manner that has an adverse impact on marketability as a residential property. Condition remains for Lender clarification of the mixed use that was chosen in DU as property use. 12.8.2025 Client provided updated DU AUS submission #6 with removal of mixed use of subject dwelling | Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 40XXX25682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Title | Satisfied<br> D<br> A | CRDTIL796 | Missing Title | No | Provide Title Commitment. | 12.4.2025 Client provided subject Title Commitment | Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 40XXX25682 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing UCDP. Guideline requires CU score of 2.5 or higher. | 12.4.2025 Client provided some loan documents however nothing pertaining to initial condition. Initial condition remains, missing UCDP of CU Score of 2.5 or lower to support value. 12.8.2025 Client provided CU Score 1.1 | Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 40XXX25712 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit score - Credit score of XXX is 105 points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowers have XXX years XXX months in line of work.<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income docs, HOI amount, and REO disposition | 12.3.2025 Client provided end of year 20XXX/2023 paystubs along with breakdown of income and Lender LOX stating verified with employer bonus and commission income used was not RSU stock income and reflect as such (Bonus/Commission) on paystub. Response, bonus income used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E-signed. No evidence of E-consent provided. | 11/19/25 Client provided the DocuSign for the initial Electronic Disclosures reflecting both E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE method of receipt E-signed. No evidence of E-consent provided. | 11/19/25 Client provided the XXX for the initial Electronic Disclosures reflecting both E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | xxx's Drive report reflects B1 owns XXX REO, via Quit claim on XXX. Borrower LOE in file stating he does not own is insufficient; provide additional documentation, deed, etc., reflecting no current ownership to support exclusion from DTI. May be subject to additional conditions upon review. | 11.XXX.2025 Client provided copy of property tax information showing a different name however missing copy of Property profile to support Borrower having no ownership and will show when Borrower name was removed as being owner of this property. Condition remains for copy of property profile for this property:XXX11.25.2025 Client provided evidence property not in borrower name and per LOX found in file home belong to B1 (mother) and documentation provided reflect same in file (pg. 85) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX0 | Income docs do not meet guidelines | No | B1 WVOE Bonus income does not align with paystub, appears may have RSU in the Bonus total. Provide clear totals, for each year for Bonus income; i.e. more detailed WVOE, year end paystubs etc. Subject to income recalc and may be subject to additional conditions upon review. | 12.3.2025 Client provided end of year 20XXX/2023 paystubs along with breakdown of income and Lender LOX stating verified with employer bonus and commission income used was not RSU stock income and reflect as such (Bonus/Commission) on paystub. Response, bonus income used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | 1. Loan amount is XXX. Master HOI reflects a. XXX per occurrence and b. XXX building coverage / 66 units = XXX per unit. Provide updated policy reflecting sufficient coverage for subject.2. Master HOI reflects Walls- In; however, XXX3 page 588 combined file, reflects XXX monthly HOI. Provide missing policy. Subject to DTI recalc and may be subject to additional conditions upon review. | 11/17 Client asked for a review; On review Item #1 is canceled; Master policy is replacement cost; Item #2 remains2. Master HOI reflects Walls- In; however, XXX3 page 588 combined file, reflects XXX monthly HOI. Provide missing policy. Subject to DTI recalc and may be subject to additional conditions upon review. 11.19.2025 Client provided updated XXX3 with addendum of XXX3 with removing monthly HOI of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25730 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Subject property is a Condotel. Per guidelines: ' LTV/CLTV must be XXX% below product/program maximum. For example, if borrower qualifies for a loan at XXX% LTV based on FICO score, loan amount and reserves, then the maximum allowed would be XXX%:'As Borrower's does not qualifying for XXX% due to being FTHB on a 2nd home and DTI > XXX%, max LTV is XXX% which then must be cut to max XXX%.Max XXX%; qualifying LTV is XXX%. | 12/5 Client provided an approved exception to allow the file at XXX% LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REOs<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX25734 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX25XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the CD. Seller CD provided all fees were verified. Exception Satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for XXX years<br>|
| 40XXX25XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $XXX due to Appraisal fee increase on LE XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/25/25 Client provided the missing XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for XXX years<br>|
| 40XXX25XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 reported XXX months; XXX months required.<br>|
| 40XXX25XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower X has been in the same profession for XXX years.<br>|
| 40XXX25853 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX., required reserves are $XXX.<br>|
| 40XXX25853 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $XXX due to increase in Appraisal fee on LE XXX with no COC in file to support it. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 12/001/2025 Client provided PCCD XXX with cure, copy of cure check, Email for LOE (with e-consents in file) and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX., required reserves are $XXX.<br>|
| 40XXX25853 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA supporting appraisal value of $XXX due to LCA Risk score not assessed. | 11.21.2025 Client provided DU AUS Approval dated XXX however no LOX provided reason for DU AUS findings, possibly now switching to DU vs LP; please clarify and XXX8 in file reflect as LP Approved (a). provide corrected XXX8, if applicable and (b) missing prior to closing DU AUS approval along with CU Score, if applicable. These 3 items are the items needed for re-review, if switching from LP to DU, no LOX was provided reason for DU AUS that was provided. 12.10.2025 Client provided Lender LOX stating was ran DU and than switched to LP and provided updated XXX8 showing as DU vs LP and provided DU submission #3 dated 11.21.2025 (Note date XXX), condition remains (1). missing prior to closing DU AUS approval (previously requested) and missing UCDP CU Score (previously requested), upon receipt and review, file to be re-reviewed to DU vs LP. 12.17.2025 Client provided XXX8 (with DU) along with CU Score 1.0 and provided DU dated XXX (Note date XXX) and state loan casefile must close on or before XXX however loan closed XXX. Initial condition remains for 3rd party CDA or am acceptable DU; currently this DU appears expired as of XXX due to loan did not close before this date. 12/23 Client provided updated DU approval CU score applied | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX., required reserves are $XXX.<br>|
| 40XXX25927 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing the credit report. | 11.20.2025 Client provided credit report dated XXX w/ID #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves. Required-Subject: $XXX x XXX+ REO $XXX x XXX =$XXX required reserves.<br>|
| 40XXX25927 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves. Required-Subject: $XXX x XXX+ REO $XXX x XXX =$XXX required reserves.<br>|
| 40XXX25927 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Provide a copy of the DU Credit Report dated XXX ID#XXX | 11.20.2025 Client provided credit report dated XXX w/ID #XXX used on DU AUS Findings | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves. Required-Subject: $XXX x XXX+ REO $XXX x XXX =$XXX required reserves.<br>|
| 40XXX25940 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXX25961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 20 points above the minimum required score of XXX.<br>|
| 40XXX25981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC806 | Notary Status is missing | No | Mortgage in file is missing notary acknowledgement | 11/13/25 Client provided the fully executed DOT and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; Guidelines require XXX months or $ XXX X XXX= $ XXX + XXX Months for Additional REO or $XXX X XXX = $XXX<br>|
| 40XXX25981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC869 | Mortgage not signed | No | Mortgage is not signed by borrowers | 11/13/25 Client provided the fully executed DOT and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; Guidelines require XXX months or $ XXX X XXX= $ XXX + XXX Months for Additional REO or $XXX X XXX = $XXX<br>|
| 40XXX25981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 11/13/25 Client provided the Lender Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; Guidelines require XXX months or $ XXX X XXX= $ XXX + XXX Months for Additional REO or $XXX X XXX = $XXX<br>|
| 40XXX25981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Discount Points were added and Lender Credit was removed on CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/20/25 Client provided an LOE, Tracking and missing XXX COC validating the changes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; Guidelines require XXX months or $ XXX X XXX= $ XXX + XXX Months for Additional REO or $XXX X XXX = $XXX<br>|
| 40XXX26006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 40XXX26008 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Federal Consumer Protection | Satisfied<br> B | CMPFDCP43XXX | Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed. | No | Flood Insurance is not escrowed per final CD XXX 1st payment letter/ IEAD Statement. Provide evidence that an escrow account has been established for flood insurance premiums. | 12/09/25 Client provided an LOE to borrower, corrected 1st Payment Letter, updated IEADS and 2 copies of a XXX PCCD. Condition remains. The PCCD still shows "Flood" listed in the "Other" category (Estimated Taxes, Insurance & Assessments) and In escrow is marked "No". Provide a corrected PCCD and LOE.12/12/25 Client provided an LOE to borrower and corrected XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX additional months for XXX($ XXX X XXX = $ XXX)<br>|
| 40XXX26014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Waived<br> D<br> B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | XXX approved exception date XXX for use of only one appraisal. Exception not applied as XXX XXX 30yr and lock under program XXX XXX AUS. Approval states LTV/CLTV max XXX%, Reserves min $XXX and DTI Max XXX% | 12/17 client changed program to XXX 30y; pre approved exception is updated applied | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below XXX Approved Exception for use of one appraisal, dated XXX MAX of XXX%<br>|
| 40XXX26043 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/17/25 Client provided an X X PCCD, LOE, $XXX refund check and proof of shipment. On the new PCCD, the existing $XXX tolerance cure for the XXX% violation was removed in error. Provide a corrected PCCD adding back in the $XXX to the new $XXX tolerance cure (total tolerance cure should reflect $XXX).11/20/25 Client provided a corrected XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX26043 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX88 | Verbal verification of employment missing | No | Provide VVOE no more than ten business days prior to the Note date. | 11.10.2025 Client provided SOS dated XXX (post close dated) however B1 have less than XXX% ownership and by definition not self employed (XXX% ownership). Initial condition remains for VVOE remains vs 3rd party SOS. 11.12.2025 Client provided VVOE dated 10.14.2025 verifying employment with active status since XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX26051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX26071 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH123 | No evidence of required debt payoff | No | CD reflects 2023 Taxes due $XXX, file is missing IRS record of account to verify tax liability year/amounts owed and whether is paid in full. | 1.6.2026 Client provided copy of property taxes however initial condition is regarding income taxes vs property taxes Initial condition remains 1.8.2026 Client provided copy of HUD-1 which list the 2023 taxes due being paid off of $XXX however initial condition is requesting for verification with documentation from IRS record of account to verify this tax liability ($XXX) is for Year 2023 and IRS record to support $XXX is the amount owed. Condition remains 1/14 Client provided IRS account balance $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history 0x30 XXX months<br>|
| 40XXX26084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXX26088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | 2nd Appraisal Fee added to the revised CD XXX without a valid COC in file. Tolerance cure required for $XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 12/02/25 Client provided the missing XXX COC and Field Review. XXX Invoice in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>|
| 40XXX26088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDU supporting appraisal value $XXX due to CU Score 3.7. | 12.1.2025 Client provided Field Review dated XXX with value supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>|
| 40XXX26092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX26092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | XXX gift letter is missing the name of who the gift is for. Provide updated fully executed gift letter, meeting requirements, reflecting Borrower(s) names. May be subject to additional conditions upon review. | 12.20.2025 Client provided completed executed copy of Gift Letter from family $XXX for our borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX26105 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 40XXX26126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINCXXX0 | Income docs do not meet guidelines | No | B2's projected employment contract has contingencies that cannot be satisfied prior to close date XXX; Letter from employer states B2 will start employment effective XXX following pre-employment requirements of which the appointments cannot be moved to an earlier date. Upon further review, Sr xxx underwriter determined that the guideline infraction is non-material due to the following compensating factors: $XXX verified reserves with only $XXX required by guides, XXX% LTV, XXX mo. 0x30 mortgage payment history, XXX qualifying FICO score. | (No Data) | 12.18.25- Waived. | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX= $XXX reserves required.<br>|
| 40XXX26126 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINC3204 | Income Documentation Missing | No | Missing evidence the RSU income B1 receives is from publicly traded stock; XXX is a privately held company and not traded on a public stock exchange. Upon further review, Sr xxx underwriter determined that the guideline infraction is non-material due to the following compensating factors: $XXX verified reserves with only $XXX required by guides, XXX% LTV, XXX mo. 0x30 mortgage payment history, XXX qualifying FICO score. | (No Data) | 12.18.25- Waived. | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX= $XXX reserves required.<br>|
| 40XXX26139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per Disclosure Tracker revised CD's XXX & XXX were issued. Missing revised CD's and applicable COC forms. | 11/21/25 Client provided the missing XXX CD. Condition remains for the missing XXX CD.11/XXX/2025 Client provided the missing CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX%CLTV below guideline requirements of XXX% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>|
| 40XXX26139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX%CLTV below guideline requirements of XXX% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>|
| 40XXX26XXX3 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income and employment docs | 11.10.2025 Client provided duplicate (in file) B2 income documentation however initial condition is regarding B1 income documentation. Initial condition remains: B1 Missing most recent XXX years signed business returns, K1's and 1040 Tax Returns including all schedules to support XXX income of $ XXX/ Month as reflected on XXX3 & XXX8. Subject to full income recalc and may be subject to additional conditions upon review.11.19.2025 Client provided 20XXX/2023 1040's (and signed dated) for B1 XXX however still missing 20XXX/2023 business returns along with K1's. Condition remains for B1 1120S Business tax returns for 20XXX/2023 and to be signed/dated along with all schedules (k1's etc.). Upon receipt and review, income calculation is required 12.9.2025 Client provided 1120S 20XXX/2023 business returns: XXX for B1 XXX and are signed/dated. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX26XXX3 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX88 | Verbal verification of employment missing | No | Provide VOE for B1, meeting XXX requirements. May be subject to additional conditions upon review. | 11.10.2025 Client provided Lender VVOE (dated 10.27.2025) for B1 stating verified XXX with CA SOS/Business License however no documentation provided for CA SOS/Business License. Condition remains 11.19.2025 Client provided 3rd party SOS dated XXX for B1 XXX w/XXX with Note date XXX; SOS provided is dated after Note date, condition remains for SOS prior to closing. 11.26.2025 Client provided SOS dated 10.22.2025 (prior to closing) for XXXt:XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX26XXX3 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | B1 Missing most recent XXX years signed business returns, K1's and 1040 Tax Returns including all schedules to support XXX income of $ XXX / Month as reflected on XXX3 & XXX8. Subject to full income recalc and may be subject to additional conditions upon review. | 11.10.2025 Client provided duplicate (in file) B2 income documentation however initial condition is regarding B1 income documentation. Initial condition remains: B1 Missing most recent XXX years signed business returns, K1's and 1040 Tax Returns including all schedules to support XXX income of $ XXX/ Month as reflected on XXX3 & XXX8. Subject to full income recalc and may be subject to additional conditions upon review.11.19.2025 Client provided 20XXX/2023 1040's (and signed dated) for B1 XXX however still missing 20XXX/2023 business returns along with K1's. Condition remains for B1 1120S Business tax returns for 20XXX/2023 and to be signed/dated along with all schedules (k1's etc.) from XXX. Upon receipt and review, income calculation is required and additional conditions maybe required 12.9.2025 Client provided 1120S 20XXX/2023 business returns: XXX for B1 XXX and are signed/dated. Condition remains, Cash Flow Income Analysis for XXX was not provided or found in loan file and is required from Lender to support XXX income used for qualifying. Condition remains for Lender Cash Flow Income Analysis for B1 XXX income calculation. 12/12 Client provided an Email; Response provide the Lenders 1084 income WS12.16.2025 Client provided XXX cash flow income analysis with Lender calculation of income used for qualifying for B1 XXX. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX26161 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Program changed to XXX 30Y; Provide a 2025 YTD P&L for Range Electric through XXX | 11/20 Client provided P&L supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $XXX - or XXX - months PITI reserves exceed guideline.<br>|
| 40XXX26161 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Hazard Insurance Policy effective date XXX is greater than the loan disbursement date XXX | Client provided exception approval for insurance effective date greater than the transaction date. | xxxs final grade B | Not Applicable | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $XXX - or XXX - months PITI reserves exceed guideline.<br>|
| 40XXX26161 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU AUS Findings | 10/30 Client changed program to Sequoia 30Y; AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves of $XXX - or XXX - months PITI reserves exceed guideline.<br>|
| 40XXX26176 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTi; max XXX%.<br>|
| 40XXX26184 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX26209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX26218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing verifiable evidence to support the borrower's $XXX/mo. trust income as required by XXX AUS Program, the loan LP and FHLMC guidelines. | 11.10.2025 Client provided LP Submission AUS #6; unable to determine reason for sending in LP AUS findings. Initial condition remains 11.12.2025 Client provided appears to be duplicate documentation in file however initial condition remains: (a). Missing evidence to verify $XXX/month trust income deposits from borrower's XXX to the borrowers bank account for the most recent year occurring at regular intervals and (b). documenting a continuance of at least the next three years as required by XXX AUS, the loan LP and FHLMC guidelines. Note: Lender provided (in file) a trust agreement for the XXX to evidence the borrower's relation to XXX, BUT (c). missing, did not provide the Tyenza Mathews Trust where the income is coming from, which must specify the fixed payment amount occurring at set intervals and duration of payments. Certificate of Trust from XXX states he is the acting trustee of the XXX, created under the terms of the XXX Trust as amended, however (d). no evidence of the borrower's trust or correlation between the two trusts was provided. A trustee statement from XXX states the borrower receives a distribution of $XXX/mo. from the trust since its inception in 2013 to continue for >XXX yrs post close, however (e). the trust itself and evidence of distribution from the trust along with evidence to document the next XXX yrs continuance was not provided as required by XXX AUS Program, the loan LP and FHLMC guidelines. Borrower XXX acct statements reflect $XXX deposits on XXX and XXX however (f). transaction detail (on XXX statement) only reflects XXX and would require verifiable evidence of the income coming from the trust for the most recent XXX months. Condition remains (a-f) format above (from initial condition) documentation is required to support $XXX Trust income. 11/12 Client provided an Email referencing section 3 of Trust; Upon review condition remains 11/26 Client provided an approved exception to allow the file with XXX months verified distributions from XXX and remaining items are allowed using the Trust Cert and Trustee letter with original Trust | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower makes minimal use of available credit with no outstanding revolving credit debt.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history 0x30 XXX months<br>|
| 40XXX26218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM31XXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender ATR QM status determination | 11.6.2025 Client provided Lender Mavent w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower makes minimal use of available credit with no outstanding revolving credit debt.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history 0x30 XXX months<br>|
| 40XXX26218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing an additional $XXX in borrower funds required for reserves; $XXX effective verified with $XXX required to close resulting in $XXX reserves, however ($XXX \* XXX + REO $XXX \* XXX=) $XXX reserves are required by the XXX AUS Program. | 11.10.2025 Client provided LP AUS submission #6 (appears to be same in file) however initial condition is regarding short reserves. Required reserves $XXX and verified reserves $XXX = -$XXX short reserves. 11/12 Client provided Email with Trust Docs Assets reviewed and EMD $XXX verified; reserves updated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower makes minimal use of available credit with no outstanding revolving credit debt.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history 0x30 XXX months<br>|
| 40XXX26218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> D<br> B | CRDINCXXX08 | Income verification does not meet guidelines | No | Missing evidence to verify $XXX/month trust income deposits the from borrower's XXX to the borrowers bank account for the most recent year occurring at regular intervals and documenting a continuance of at least the next three years as required by XXX AUS, the loan LP and FHLMC guidelines. Lender provided a trust agreement for the XXX to evidence the borrower's relation to XXX, but did not provide the XXX where the income is coming from, which must specify the fixed payment amount occurring at set intervals and duration of payments. Certificate of Trust from XXX states he is the acting trustee of the XXX, created under the terms of the XXX as amended, however no evidence of the borrower's trust or correlation between the two trusts was provided. A trustee statement from XXX states the borrower receives a distribution of $XXX/mo. from the trust since its inception in 2013 to continue for >XXX yrs post close, however the trust itself and evidence of distribution from the trust along with evidence to document the next XXX yrs continuance was not provided as required by XXX AUS Program, the loan LP and FHLMC guidelines. Borrower NFCU acct statements reflect $XXX deposits on XXX and XXX however transaction detail only reflects XXX and would require verifiable evidence of the income coming from the trust for the most recent XXX months. | 11.10.2025 Client provided LP Submission AUS #6; unable to determine reason for sending in LP AUS findings. Initial condition remains 11.12.2025 Client provided appears to be duplicate documentation in file however initial condition remains: (a). Missing evidence to verify $XXX/month trust income deposits from borrower's XXX to the borrowers bank account for the most recent year occurring at regular intervals and (b). documenting a continuance of at least the next three years as required by XXX AUS, the loan LP and FHLMC guidelines. Note: Lender provided (in file) a trust agreement for the XXX to evidence the borrower's relation to XXX, BUT (c). missing, did not provide the XXX where the income is coming from, which must specify the fixed payment amount occurring at set intervals and duration of payments. Certificate of Trust from XXX states he is the acting trustee of the XXX, created under the terms of the XXX as amended, however (d). no evidence of the borrower's trust or correlation between the two trusts was provided. A trustee statement from XXX states the borrower receives a distribution of $XXX/mo. from the trust since its inception in 2013 to continue for > XXX yrs post close, however (e). the trust itself and evidence of distribution from the trust along with evidence to document the next XXX yrs continuance was not provided as required by XXX AUS Program, the loan LP and FHLMC guidelines. Borrower XXX acct statements reflect $XXX deposits on XXX and XXX however (f). transaction detail (on XXX statement) only reflects TXXX and would require verifiable evidence of the income coming from the trust for the most recent XXX months. Condition remains (a-f) format above (from initial condition) documentation is required to support $XXX Trust income. 11/26 Client provided an approved exception to allow the file with XXX months verified distributions from XXX and remaining items are allowed using the Trust Cert and Trustee letter with original Trust | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required Update comments continue below Waiver due to system lim11/12 Client provided an Email referencing section 3 of Trust; Upon review condition remains (a). Missing evidence to verify $XXX/month trust income deposits from borrower's XXX to the borrowers bank account for the most recent year occurring at regular intervals and (b). documenting a continuance of at least the next three years as required by XXX AUS, the loan LP and FHLMC guidelines. Note: Lender provided (in file) a trust agreement for the XXX to evidence the borrower's relation to XXX, BUT (c). missing, did not provide the XXX where the income is coming from, which must specify the fixed payment amount occurring at set intervals and duration of payments. Certificate of Trust from XXX states he is the acting trustee of the XXX, created under the terms of the XXX Trust as amended, however (d). no evidence of the borrower's trust or correlation between the two trusts was provided. A trustee statement from XXX states the borrower receives a distribution of $XXX/mo. from the trust since its inception in 2013 to continue for > XXX yrs post close, however (e). the trust itself and evidence of distribution from the trust along with evidence to document the next XXX yrs continuance was not provided as required by XXX AUS Program, the loan LP and FHLMC guidelines. Borrower XXX acct statements reflect $XXX deposits on XXX and XXX however (f). transaction detail (on Navy statement) only reflects XXX and would require verifiable evidence of the income coming from the trust for the most recent XXX months. Condition remains (a-f) format above (from initial condition) documentation is required to support $XXX Trust income. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower makes minimal use of available credit with no outstanding revolving credit debt.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage history 0x30 XXX months<br>|
| 40XXX26226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide a copy of the signed 2023 1040 Tax Return. In lieu of a signature, personal tax transcripts for the corresponding year may be provided, per guidelines. | 2023 1040s with Transcripts in file for 2023 signature | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX26226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Loan amount is $XXX x XXX%=$XXX required coverage and the hazard insurance policy reflect dwelling coverage of $XXX + $XXX (other structure) = $XXX which is insufficient coverage. File is missing evidence of replacement cost or cost to build. | 12.9.2025 Client provided copy of Flood insurance policy however initial condition is for Hazard policy in file reflect insufficient coverage with missing copy of estimated replacement cost worksheet. Condition remains for HOI estimated replacement cost worksheet. 12.11.2025 Client provided an HOI policy for subject property however still insufficient coverage; condition remains for estimated HOI replacement cost coverage. In addition, Hazard insurance review form was provided however must come from HOI agent or company, unable to determine if this is from HOI agent company, appears to be Lender review form. Condition remains 12.16.2025 Client provided XXX residential estimator results reflecting estimated replacement cost for subject, however this should come from HOI company that provided the HOI policy to support what the estimated replacement cost is/was for subject property supporting the insurance amount they are providing, accepting XXX replacement cost of $XXX with estimated cost new of on appraisal of $XXX and HOI policy coverage of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX262XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXX26303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increased/ added title fees on final CD XXX with no valid reasons documented on COC XXX. Borrower selected a title provider from SPL and fees, along with recording fee, are tested for XXX% violation. Lender's credit of $XXX for a tolerance cure was applied towards increased Appraisal fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/02/25 Client provided alternate copies of the XXX, XXX and XXX COCs. Condition remains. The COCs do not reflect valid change reasons/explanations for the added/increased Title Fees.12/05/2025 Client provided an email chain reflecting the Title fees increased/added due to a jumbo loan, complex negotiations or multiple foreclosures or P/O's. Condition remains. Provide further explanation to the fees increased/added on the Final CD XXX with the Title Commitment dated XXX. Additional conditions may apply. 12/12/25 Client provided another Email and the following from Seller and advise. We may need some additional information from the investor as to how they are accounting for the $XXX tolerance cure. The only change from the XXX to XXX CD that we see is there was a $XXX additional charge for the survey fee. A survey fee of $XXX was disclosed on the early CD (XXX) in section B but then corrected to section C on the XXX CD (surveyor not on SSPL). The attorney fee increase from the XXX to XXX CD was a valid COC at the time as the attorney had quoted an amount of $XXX on the title fees they initially submitted over (XXX) but then increased it on XXX due to the additional hours accumulated on this file. This was the first notification received of an increase to this fee. Reviewed by internal Ops Manager and accepted. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX26303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide XXX months Cash Flow Analysis for XXX Bank #XXX and #XXX and XXX Bank #XXX and #XX as required per Guidelines | 11.20.2025 Client provided LOX with breakdown of each business asset #XXX, #XXX, #XXX and #XXX with Borrower having ownership with these businesses and ALL business funds being used for transaction along with Gift of $XXX; CPA also have letter in file addressing no negative impact to business use of funds from these business accounts and LOX in file from Borrower addressing how each business is solely owned by XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX26303 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Document in file showing $XXX/month HOA with no address. Provide REO for which this HOA is for. (pg. 5XXX) | 11.20.2025 Client provided Lender LOX stating this shows as XXX and there is an address XXX, this property is owned by XXX. Response, further clarification is needed, Lender says there is an address of XXX however not located on REO, if applicable. Provide property profile to support this address of XXX and to support this monthly HOA of $XXX belonging to this property, currently not in the DTI. Per lender this is in XXX name. 12.2.2025 Client provided GFE (compliance documents) however nothing were provided pertaining to this condition. Condition remains, missing evidence 6682 XXX belonging to XXX12.16.2025 Client provided HOI, Lease agreement and HOA however still missing property profile to support in XXX name which will support reason omission of this property in DTI. Condition remains for property profile: XXX 12/26 Client provided revised XXX3 /XXX8 adding the REO and Full PITIA for qualifying DTI XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX26311 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $307,835.08 effective/reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX26355 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 82mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>|
| 40XXX26355 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGLXXX | Legal document incorrect or incomplete | No | HOI policy reflects Rental Dwelling Insurance Lienholder Declarations on page 1 and references Insured Item: Rental Dwelling: XXX XXX XXX; subject loan is for a primary residence. | 11.14.2025 Client provided updated HOI policy as Primary Residence vs Rental Dwelling insurance coverage, condition remains to verify increased in premium of $XXX have been paid in full to support updated HOI policy is now in place. Rental policy on subject premium was $XXX (paid on subject CD) and updated HOI policy as Primary premium is $XXX = -$XXX difference due. 11.18.2025 Client provided evidence HOI premium of $XXX being paid in full $XXX balance due | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 82mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>|
| 40XXX26370 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>|
| 40XXX26384 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years with current employer, B2 has XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX26430 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: Qualifying DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX26438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing complete, full page scan of all pages of XXX XXX management account statements dated XXX; some pages are cut off on the right side and all documents must be clear and legible. | 11.12.2025 Client provided full complete copy of XXX XXX bank statement #XXX dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX effective/reserves; $XXX\*12 + REO $XXX \*3 ; reserves required / met.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%.<br>|
| 40XXX26438 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and be no more than 120 calendar days prior to the Note date XXX; VOE reflects business registration as source of verification however search results provided do not indicate a verifiable source and is not dated. | 11.12.2025 Client provided SOS (post close dated 1XXX) for XXX, however SOS do not reflect existence status of business and is not dated prior to closing. Condition remains 11.17.2025 Client provided Lender VVOE for XXX with box checked to see print out of phone listing and address from telephone book, internet resource, or directory assistance and provided post close dated (XXX) website search verifying business open and closes 5 PM however both documentation provided are post close dated, missing prior to closing evidence of existence of business. 11.17.2025 Client provided exception approval to allow for post close documentation with file having YTD XXX P/L and VVOE dated prior to closing from Lender stating verifying self employment and the SOS documentation in file not dated. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX effective/reserves; $XXX\*12 + REO $XXX \*3 ; reserves required / met.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%.<br>|
| 40XXX26464 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX %.<br>|
| 40XXX26464 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | File is missing a copy of XXX W2 from co-borrower's previous employment. | 12.23.20XXX Client provided XXX w2 for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX %.<br>|
| 40XXX26469 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI Is below guideline maximum of XXX %<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV is below guideline maximum of XXX %<br>|
| 40XXX2XXX39 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX2XXX64 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT106 | Finance charge understated by more than $XXX (Pmt Stream) | No | Finance charge understated by $XXX. Condition is pending receiving cure via refund of the amount of the under disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment. | 12/02/2025 Client provided PCCD XXX with refund, copy of refund check, LOE and and in transit shipping label | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX month at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guideline minimum of XXX by XXX points<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of XXX exceeds guideline requirement of XXX months.<br>|
| 40XXX2XXX64 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | CD: XXX-1 Loan Calculations Amount Financed is $XXX and Calculated value is $XXX. Finance charge understated by $XXX. Condition is pending receiving cure via refund of the amount of the under disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment. | 12/02/2025 Client provided PCCD XXX with refund, copy of refund check, LOE and and in transit shipping label | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX month at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guideline minimum of XXX by XXX points<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of XXX exceeds guideline requirement of XXX months.<br>|
| 40XXX2XXX64 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX month at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guideline minimum of XXX by XXX points<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of XXX exceeds guideline requirement of XXX months.<br>|
| 40XXX2XXX94 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 12/21/2025 Client provided an exception approval for using incorrect ROR form | 12/21/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX2XXX94 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH1XXX | Collections, Liens, etc. not paid as required by guidelines | No | Provide documentation that County Tax Lien in the amount of $XXX with County of XXX is paid off as required per guidelines. This was located on XXX party Data Verify. | 12.29.2025 Client provided Lender LOX stating, Thank you for providing your Drive Report. However, Title has provided the Final Policy (attached) and their judgment search did not show a lien. Response, this is showing as a tax lien as of XXX in the amount of $XXX and with Title reflecting no tax liens and borrower having sufficient assets to cover and transaction is a cash out refinance with payoff debts and possibly would have been paid off as part of this refinance if belonging to our borrower, with knowing these don't appear to be our borrower tax lien. In addition, subject refinance was acquired XXX and this tax lien is dated XXX nothing previously coming up regarding tax lien at time of purchase of subject, further support possibly not for our borrower. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX2XXX94 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide XXX party printout for XXX. Document in file does not have a pulled date. | 12.23.2025 Client provided XXX SOS dated XXX for XXX however post close dated with Note date XXX; missing prior to closing XXX SOS (this is 2nd employment income used for qualifying). 12.23.2025 Client provided exception approval for file having an SOS (undated) and provided a post close dated SOS for 2nd job XXX , to allow for post close SOS XXX VVOE. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX26625 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in amount of $XXX due to added Appraisal rush fee $XXX on CD XXX (Appraisal's effective date is XXX, Rush fee was not disclosed timely) and increased HOA Cert fee by $XXX on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/05/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery.XXX Verified package delivered XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>|
| 40XXX26625 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increase in Recording fee from $XXX on last LE XXX to $XXX on final CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | XXX Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery. XXX Verified package delivered XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. XXX mortgage payment history; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX + REO $XXX= $XXX reserves required.<br>|
| 40XXX26627 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>|
| 40XXX26635 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score;XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXX26638 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 12 = $XXX<br>|
| 40XXX26638 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increased Title Lender's Policy fee and added Title Recording fee with no COC in file. Borrower selected a title provider from SPL, all title fees are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided PCCD XXX with fees changes, COC for LOE. Condition remains. Provide the Final Alta/Settlement Statement matching fees. Additional Conditions may apply. XXX Client provided a TRID calculator reflecting Lenders and Owners policies. Condition remains. Seller paid Owners Policy is not tested in Borrower paid fees. Lenders Title Ins. increased and the Recording fee added on CD XXX with no valid reason listed on the XXX COC. Provide a valid reason for these fees or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.XXX Client provided the Final Alta/Settlement Statement matching PCCD XXX with lower Lenders Ins. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 12 = $XXX<br>|
| 40XXX26638 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX . Per final CD disbursement date is XXX Condition Waived | 12/01/25 Upon further review Sr xxx UW determined that the hazard insurance policy not in effect at time of closing, however valid at time of delivery to XXX for purchase review is non material due to the following compensating factors: cash reserves exceed guidelines, credit score exceeds guidelines and significant time in profession. | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $XXX X 12 = $XXX<br>|
| 40XXX26661 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> B | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Missing Right of Rescission form signed by non-borrowing titleholder. | XXX Client provided Duplicates of the ROR and CD signed by the Note holder. Condition remains. Upon review of the Trust agreement item #7 in file requires both trustees to encumber RE. Provide reopened Rescission for both dated allowing for delivery, Final CD and Mortgage updated with attestation of re-recording for adding signature of 2nd trustee with LOE and evidence of delivery.XXX Client provided an LOE stating that the Title holders signed the Mortgage correctly. Condition remains. Per review by Internal Compliance Counsel, provide the ROR executed at closing for the Non-Borrower or reopened Rescission dated allowing for delivery for both title holders with evidence of delivery and the Initial & Final CD's with her acknowledgment of receipt for both CD's.XXX Client provided an Email response stating the following: The only conditions that need to be cleared are the ROR (giving spouse ROR) and the CD evidencing it was provided to spouse. If the spouse never received the ROR and CD a new recession period would start at the point they all received the documents. Condition remains. File does not contain any proof that the XXX received the Final CD or ROR. If Lender cannot provide these closing documents for the XXX, then provide a copy of the Final CD to the XXX with proof of delivery date and reopen rescission to all title holders.XXX Client provided re-opened rescission signed on XXX with expiration date midnight of XXX. Also provided PCCD XXX e-signed by both on XXX with e-consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX by 11 points.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is below guideline maximum of XXX%.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: Dti XXX % is below program maximum XXX %.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in total assets is sufficient to cover required reserves XXX\*XXX months=XXX.<br>|
| 40XXX26661 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> D<br> B | CMPROR4407 | ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable | No | Final CD XXX is not signed by non-borrowing titleholder and there is no evidence in file indicating that it was delivered. | XXX Client provided Duplicates of the ROR and CD signed by the Note holder. Condition remains. Upon review of the Trust agreement item #7 in file requires both trustees to encumber RE. Provide reopened Rescission for both dated allowing for closing, Final CD and Mortgage updated with attestation of re-recording for adding signature of 2nd trustee with LOE and evidence of delivery. XXX Client provided an LOE stating that the Title holders signed the Mortgage correctly. Condition remains. Per review by Internal Compliance Counsel, provide the ROR executed at closing for the Non-Borrower or reopened Rescission dated allowing for delivery for both title holders with evidence of delivery and the Initial & Final CD's with her acknowledgment of receipt for both CD's.XXX Client provided an Email response stating the following: The only conditions that need to be cleared are the ROR (giving spouse ROR) and the CD evidencing it was provided to spouse. If the spouse never received the ROR and CD a new recession period would start at the point they all received the documents. Condition remains. File does not contain any proof that the XXX received the Final CD or ROR. If Lender cannot provide these closing documents for the XXX, then provide a copy of the Final CD to the XXX with proof of delivery date and reopen rescission to all title holders.XXX Client provided re-opened rescission signed on XXX with expiration date midnight of XXX. Also provided PCCD XXX e-signed by both on XXX with e-consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX by 11 points.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is below guideline maximum of XXX%.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: Dti XXX % is below program maximum XXX %.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in total assets is sufficient to cover required reserves XXX\*XXX months=XXX.<br>|
| 40XXX266XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal Desk Review fee $XXX was added to final LE XXX section B COC issued XXX does not list fee amount or give any details as to why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | XXX Client provided a missing XXX COC, XXX Revised LE and Tracking that shows a Hard Copy was sent on XXX (No e-consent yet). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX266XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial & Final LE method of receipt E signed. No evidence E consent was provided for all title holders. Missing E consent for NBS. | XXX Client provided a missing XXX LE package (hard copy sent XXX) and the Initial XXX CD tracking. Upon further review, it appears the file is missing the E-Consent for the Initial XXX LE to Borrower. Provide the missing tracking for the Initial XXX LE that reflects the primary Borrower's E-Consent, or evidence of delivery via other method to meet timing.XXX Client provided the following Per seller: Primary borrower, see attached Revised LE XXX audit log that shows borrower consented XXX. Initial LE XXX and Revised LE XXX were dropped into fulfillment and US mailed. Since they were mailed, we don't need prior e-consent. Condition remains. A screenshot of the tracking for the revised XXX LE was provided in the previous documents, however there is still no documentation to support the alternate delivery method of the Initial XXX LE (the Initial LE was e-signed in file). Provide the missing disclosure tracking for the Initial XXX LE for review.XXX Client provided the missing XXX LE Disclosure Tracking that confirms the Initial package was sent to Fulfillment within the required timing on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX26XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliated Business Disclosure | XXX Client provided a signed statement that the Lender is not affiliated with any other businesses. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXXxXXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % CLTV below guideline requirements of XXX % per program.<br>|
| 40XXX26XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | XXX Client provided an exception approval for using incorrect ROR form | XXX Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXXxXXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % CLTV below guideline requirements of XXX % per program.<br>|
| 40XXX26XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX and Funding CD XXX - section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending LOX with corrected PCD to borrower. | XXX Client provided an LOE with a screen shot of page 4 will not have escrows section. Condition remains. Provide the actual PCCD reflecting the correction.XXX Client provided the corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with XXXxXXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % CLTV below guideline requirements of XXX % per program.<br>|
| 40XXX26920 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>|
| 40XXX26920 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increased from initial LE XXX $XXX to final LE XXX $XXX. COC issued XXX does not list fee amount or any details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | XXX Client provided a XXX PCCD with cure, LOE, $1XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>|
| 40XXX26981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX26987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | Flood cert in file has incomplete data. Unable to validate it is for the correct property and no flood zone is noted. | XXX Client provided Flood Certificate Document, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; 80% max allowed.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX26987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Waived<br> D<br> B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | File is missing a second full appraisal required for refinance transactions with a loan amount over $XXX for R/T. | XXX Client provided an approved exception to allow the file without a 2nd full appraisal | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; 80% max allowed.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX26989 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below guideline maximum of XXX %<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>|
| 40XXX269XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee for an additional portion of the appraisal fee in the amount of $XXX was added to initial CD XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 12/26/2025 Client provided COC XXX reflecting Due to acreage of the property, Appraisal fee changed from $XXX to $XXX with supporting Invoice reflecting the Complex fee acreage, Rural and SQ FT, and missing LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.Co-borrower 3 has been with current employer since XXX<br>|
| 40XXX269XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1) File is missing verification of property taxes for additional property owned by B1/B2 located at XXX,XXX. Used amount of $XXX per month for taxes, HOA dues from final XXX3 for recalculations.2) Lender included monthly insurance, taxes and association dues of $XXX for B3 departing residence. A mortgage statement provided in the file for this property shows monthly escrows for taxes and insurance of $XXX. File is missing current tax and insurance documentation verifying amount used by lender to qualify. | 1.2.2026 Client provided copy of taxes for monthly of $XXX(appears to be for XXX) however does not specify being for XXX and provided evidence of monthly HOA for XXX and nothing provided for #2 in initial condition regarding B3 departing residence. Condition remains (a). verify the $XXX monthly taxes is for XXX XXX and (b). still missing documentation (per initial condition) regarding $XXX that is being used on REO of XXX3 for B3 property/missing documentation to support the $XXX for B3 departing residence. 1/5 Client provided evidence the Borrower does not own XXX ; Provide corrected XXX3 with REO removed. and Condition remains to verify the $XXX monthly taxes is for XXX XXX1.5.2026 Client provided updated XXX3 with removal of REO (per prior update) and provided evidence B3/B4 owns XXX vs XXX and verified with documentation and evidence of the $XXX monthly taxes for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.Co-borrower 3 has been with current employer since XXX<br>|
| 40XXX269XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX88 | Verbal verification of employment missing | No | 1) File missing verification of the existence of B2's XXX verified through a third-party source and no more than XXX calendar days prior to the Note date.3) File is missing a verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for B3. A job details report print-out provided in the file does not verifying if borrower is actively employed. | 12.XXX.2025 Client provided VVOE for B2 (1099 XXX) verifying is a employee paid 1099 from the company (dated XXX) and regarding B3 VVOE in file (pg. 540) dated XXX this would be acceptable, even though does not state as being active however does state being full time employed. | condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.Co-borrower 3 has been with current employer since XXX<br>|
| 40XXX27003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Missing corresponding disclosure for COC on XXX that adds $XXX in Broker Fees to the loan. | 12/08/25 Client provided the missing XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0X30 for XXX months exceeds guideline requirement of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% debt to income is below guideline required maximum of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX27012 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX is e-signed by non-borrowing spouse. Missing a prior e-consent in file. | 12/19/2025 Client provided duplicate of CD XXX and a document History for ICD created on XXX. A disclosure XXX is missing from file. If this is for the ICD XXX, provide explanation of creation and delivery on XXX and accepted consent for e-delivery by Non-Borrower: XXX for CD dated XXX. Additional Conditions may apply.01/06/26 Client provided an Email request for clarity from the seller, with the ICD and Tracking. Seller confirms the Document History also serves as the eConsent for this particular system. Document ID matches the Initial CD with delivery on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX27012 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VOE is date post close XXX | 12/9 Client accepts the post close VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX27012 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | XXX lease used for income, does not have a 'term begins' date. Provide updated lease, meeting requirements. May be subject to additional conditions upon review. | 12.18.2025 Client provided snippet of Lease #5 that shows rent from XXX- XXX and showing payment received however #2 Term begins on date is BLANK however do reflect shall terminate on XXX; accepting | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX27021 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower1 has XXX years XXX months in line of business.<br>|
| 40XXX27021 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $XXX due to increase in Appraisal fee on LE XXX from $XXX to $XXX($XXX was refunded back to borrower at closing) with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 11/25/25 Client provided a screen shot of the Appraisal Vendor Service LOS history showing the Vendor proposed increase reason (dated XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower1 has XXX years XXX months in line of business.<br>|
| 40XXX27033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>|
| 40XXX27033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is the only CD in file. Product not disclosed at least XXX days prior to closing date of XXX | 12/02/2025 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>|
| 40XXX27033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 12/02/2025 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>|
| 40XXX27033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Tax Service Fee increased without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/02/2025 Client provided COC XXXreflecting program change and lock resulting in Tax Service fee increase and Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>|
| 40XXX27035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX27035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to increased Transfer Tax fee from $XXX on LE XXX to $XXX on LE XXX. Both loan amount and sales price decreased, no valid reasons were documented on COC XXX. Further Transfer Tax increased on CD XXX to $XXX. Lender's credit of $XXX for a tolerance cure was applied but is not sufficient. Additional $XXX is required to satisfy this condition. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/23/2025 Client provided a duplicate of the COC XXX reflecting updated loan amount and amendment to purchase contract. Also provided the addendum page of contract reflecting Purchase price to be $XXX. Condition remains. Both loan amount from $XXX to $XXX and purchase price from $XXX to $XXX, both decreased, which is not a valid reason for the increase of Transfer Taxes. Provide supporting documentation if available for review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 01/07/26 Client provided a XXX PCCD reflecting an increased tolerance cure. Condition remains for the LOE to Borrower, copy of the $XXX refund check and proof of delivery that includes tracking information.01/09/26 Client provided the refund check, LOE and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX27035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL4033 | Missing Legal Document(s) | No | Missing PUD Rider. | 12.20.2025 Client provided an LOX email however still missing PUD Rider, per appraisal property is in a PUD. Condition remains 12.26.2025 Client provided updated appraisal reflecting as not being in a PUD | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX27054 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS report as required per product selected. Client selected product: XXX XXX AUS 30 YR | 12.XXX.2025 Client provided DU Approve/Ineligible submission #7 | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has >XXX years at current job<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>|
| 40XXX27054 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | In file is CU Score 2.6 and LCA Score 1.5. Missing AUS. If DU was used to close the loan (Doc in file pg. 136 state Approve/Ineligible), then a CDA will need to be provided. | 12.XXX.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has >XXX years at current job<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>|
| 40XXX27081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Documentation | Waived<br> B | CMPDOC869 | Mortgage not signed | No | Borrower does not sign mortgage or any recordable docs as the subject is closing in a blind trust stating the borrower/trustee shall not participate in nor represent such trust in any transaction involving the purchase of property or any other publicly reported transaction. | 12.11.25- Upon further review Sr xxx Underwriter determined that the exception is non-material due to the following compensating factors of XXX% DTI, XXX qual score and >$XXX reserves. Waived. | Final grade of B. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX27082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSRXXX00 | Missing Flood Certification Document | No | Provide Flood Certificate | XXX Client provided Flood Certificate Document, flood zone AE. Flood insurance in file | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI<br>|
| 40XXX27084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing an additional $XXX in borrower funds to meet the XXX AUS Program reserves requirement of $XXX ($XXX); $XXX effective verified with $XXX required to close results in only $XXX reserves. | XXX Client provided an Email; Upon review the file was missing asset statements for XXX XXX and XXX; Client provided XXX months statements for each XXX account | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has >XXX months at current job<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX % below guideline requirement XXX%<br>|
| 40XXX2XXX46 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETPost Close Assets are $$XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX28857 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Title | Satisfied<br> D<br> A | CRDTIL8XXX | Title incomplete | No | Prelim Title Report reflect #3 (pg. 737) a pending assessment for the District. When notice of the assessment is recorded with the County Recorder the assessment shall become a lien on said Land. Missing Final title with clearance of this notice of assessment. | XXX Client provided copy of title supplement report with item #3 (initial condition) have been deleted from report. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV xxx% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score xxx exceeds guidelines<br>|
| 40XXX28860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Documentation | Satisfied<br> C<br> A | CMPDOC255 | Compliance: Missing or Incomplete Addendum or Rider. | No | Provide PUD Rider | XXX Client provided executed PUD Rider that was attached to Mortgage Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 40XXX28860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC1XXX | Missing Mortgage | No | Mortgage is missing | XXX Client provided executed Mortgage/Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 40XXX28860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure | XXX Client provided snip of Facts confirming listed Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 40XXX28860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 40XXX28860 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Title | Satisfied<br> C<br> A | CRDTIL8XXX | Title Does Not Agree With Mortgage | No | Unable to test due to missing DOT | XXX Client provided executed Mortgage Deed of Trust; vesting matches | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 40XXX28861 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of documentation re: undisclosed REO disposition status | XXX Client provided evidence of HOI monthly payment of $XXX for other REO: XXX XXX XXX. however full policy is required to further support no mortgagee. upon further review of detailed property report in file (pg. 563) it appears the release of mortgage was on XXX for this property and REO of XXX3 reflect as no mortgage. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>|
| 40XXX28861 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | XXX Client provided a letter attesting not Affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>|
| 40XXX28861 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>|
| 40XXX28861 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation supporting exclusion of XXX XXX REO in B2's name, on xxx's Drive report, from DTI and from XXX3/XXX8.May be subject to additional conditions upon review. | XXX Client provided property profile to support no longer in Borrower name | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>|
| 40XXX28861 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide missing HOI policy for XXX XXX REO, supporting XXX monthly. Subject to DTI recalc and may be subject to additional conditions upon review. | XXX Client provided evidence of HOI monthly payment of $XXX for other REO: XXX XXX XXX. however full policy is required to further support no mortgagee. upon further review of detailed property report in file (pg. 563) it appears the release of mortgage was on XXX for this property and REO of XXX3 reflect as no mortgage. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>|
| 40XXX28993 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX %<br>|
| 40XXX2XXX25 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> A | CMPFINT106 | Finance charge understated by more than $XXX (Pmt Stream) | No | CD:XXX -1 Section: Loan Calculations, Finance Charge is $XXX and calculated value is $XXX a difference of $XXX | XXX Client provided an Email response from the Seller inquiring about how our $XXX calculation was determined. A list of our Finance Charge has been provided, based on the Final XXX Consummation CD, however file also contains a revised XXX Post CD. The Mavent in file matches the Post CD, so it's unclear why/how the Consummation CD differs by $XXX from internal testing of that CD. The ALTA in file coded as Final is not Signed or Stamped and the only stamped ALTAs are marked Estimated. For further review, provide the Final Signed/Stamped ALTA. Subject to re-review.XXX Client provided a missing, Revised XXX CD with the closing costs corrections, E-signed on the Closing Date of XXX . Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is XXX %.<br>CFCFS1XXX0: High potential for increased earnings<br> - xxx Comments: Per WVOE, Borrower's income salary is settled at the end of the year, resulting in higher earnings compared to received YTD since the Borrower is in a high position in the company.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for over XXX years.<br>|
| 40XXX2XXX25 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Finance Charge Tolerance | Satisfied<br> C<br> A | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | CD: XXX-1 Section: Loan Calculations, Amount Financed is $XXX and calculated value is $XXX .a difference of $XXX | XXX Client provided an Email response from the Seller inquiring about how our $XXX calculation was determined. A list of our Finance Charge has been provided, based on the Final XXX Consummation CD, however file also contains a revised XXX Post CD. The Mavent in file matches the Post CD, so it's unclear why/how the Consummation CD differs by $XXX from internal testing of that CD. The ALTA in file coded as Final is not Signed or Stamped and the only stamped ALTAs are marked Estimated. For further review, provide the Final Signed/Stamped ALTA. Subject to re-review.XXX Client provided a missing, Revised XXX CD with the closing costs corrections, E-signed on the Closing Date of XXX. Re-testing results in no violation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is XXX %.<br>CFCFS1XXX0: High potential for increased earnings<br> - xxx Comments: Per WVOE, Borrower's income salary is settled at the end of the year, resulting in higher earnings compared to received YTD since the Borrower is in a high position in the company.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for over XXX years.<br>|
| 40XXX2XXX25 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is XXX %.<br>CFCFS1XXX0: High potential for increased earnings<br> - xxx Comments: Per WVOE, Borrower's income salary is settled at the end of the year, resulting in higher earnings compared to received YTD since the Borrower is in a high position in the company.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for over XXX years.<br>|
| 40XXX2XXX25 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing Collateral Desktop Analysis (CDA) ordered from XXX or a Consolidated Collateral Analysis (CCA) from Consolidated Analytics required to support the value of the appraisal when the CU Risk Score > 2.5. | XXX Client provided 3rd party CDA valuation supporting appraised value with XXX % variance | Condition satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is XXX %.<br>CFCFS1XXX0: High potential for increased earnings<br> - xxx Comments: Per WVOE, Borrower's income salary is settled at the end of the year, resulting in higher earnings compared to received YTD since the Borrower is in a high position in the company.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in current profession for over XXX years.<br>|
| 40XXX2XXX28 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX since XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; XXX in reserves required.<br>|
| 40XXX2XXX28 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added CDA fee on final CD XXX with no valid reasons documented on COC XXX . CDA was delivered on XXX , fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided the following Seller comment: Please see shipping package upload pages 306-317 The $XXX fee in question is identified on coc as appraisal field review, this is not for the cda Field review completed XXX and redisclosed XXX. Condition remains. Upon re-review, the Field Review in file is dated XXX, so the re-disclosure on XXX is timely, however the COC does not provide a valid change in circumstance reason for adding the fee (Appraisal field review invoice received, fee added). The COC does not indicate what "change" occurred that prompted the addition of the fee (invoice received is not a valid change reason).XXX Client provided PCCD XXX with cure and copy of cure check. Condition remains for LOE to Borrower and evidence of delivery via tracking.XXX Client provided the LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX since XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; XXX in reserves required.<br>|
| 40XXX2XXX28 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINC2XXX7 | Missing Signed 4506 in file | No | File is missing a signed 4506 for the co-borrower as required by guidelines | XXX Client provided an approved exception to allow the file with out the 4506C signed by B2 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX since XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; XXX in reserves required.<br>|
| 40XXX2XXX86 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX XXX months for reserves is sufficient to cover required $XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds program minimum of XXX.<br>|
| 40XXX2XXX86 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing cancelled checks or bank statements to verify satisfactory rent history of the subject property for most recent XXX months and VOR for the XXX property per guideline. | XXX Client provided most recent XXX months evidence of monthly rent of $XXX from July - October XXX along with copy of current executed Lease agreement signed as of XXX XXX and provided prior executed Lease agreement for address: XXX from XXX - XXX XXX with evidence of $XXX payment made at time of executed Lease on XXX for prior housing. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX XXX months for reserves is sufficient to cover required $XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds program minimum of XXX.<br>|
| 40XXX2XXX16 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX2XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing VOE from current employer as well as verification that all the contingencies present in the offer or contract are satisfied as required in the guidelines. | XXX Client provided an email from new employment which starts XXX stating Borrower has cleared their pre-employment HR clearances, the final clearance from the XXX XXX XXX for their credentialing and privileging process but they remain on track for the XXX start date. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>|
| 40XXX2XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>|
| 40XXX2XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | XXX acct XXX statements present for XXX and XXX. Note date is XXX. Guideline require the most recent full XXX months statements, file is missing September and October statement for XXX acct ending in XXX | XXX Client provided October and September XXX XXX statements | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>|
| 40XXX2XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Offer letter for employment starting on or about XXX is contingent upon borrower obtaining XXX and other items. Guidelines require that the employment offer or contract must be non contingent. If there are contingencies, the lender must confirm that all conditions of employment are satisfied with verbal or written verification and if the start date be less than XXX days after the note date, the loan file must include a contingent free employment offer or contract. | XXX Client provided an email from new employment which starts XXX stating Borrower has cleared their pre-employment HR clearances, the final clearance from the XXX XXX XXX for their credentialing and privileging process but they remain on track for the XXX start date. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>|
| 40XXX2XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> C<br> B | CRDINCXXX88 | Verbal verification of employment missing | No | Missing verification of employment performed no more than XXX business days prior to the Note dated XXX for XXX. | XXXClient provided an approved exception to allow the file without the VVOE | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>|
| 40XXX29XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; XXX in reserves required.<br>|
| 40XXX29XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A credit supplement provided in the file verifying departure residence mortgage payment history shows XXX months reviewed. Mortgage was opened in XXX . Last activity date for this mortgage reported on credit from previous mortgage holder prior to transfer was XXCX File is missing additional XXX months verification of the mortgage payment history verifying 0X30 late payments in the last XXX | XXX Client provided (duplicate in file) credit supplement with XXX/XXX #XXX with satisfactory mortgage payment history, open date XXX - XXX however only reflect XXX months vs XXX months history, if mortgage was opened XXX - current should reflect over XXX months history and prior mortgage history was not found on credit report. Condition remains to cover XXX months satisfactory mortgage payment history, as required per guidelines. Supplement provided same in file with XXX months history. XXX Client provided updated Credit report reflecting XXX months w/current satisfactory mortgage payment w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; XXX in reserves required.<br>|
| 40XXX2XXX39 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX ; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had no derogatory credit history, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have not had any derogatory or delinquent mortgage history or occurrences, XXX months reviewed.<br>|
| 40XXX2XXX43 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX9: Additional documented income not used in qualifying<br> - xxx Comments: B2 shows additional bonus income of $XXXV per month that was not used in qualifying.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with employer for XXX years. B2 and XXX have been XXX for XXX years.<br>|
| 40XXX2XXX44 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Transaction date XXX . ROR expires on XXX and the disbursement date is XXX Disbursement date is before end of statutory rescission period. Condition pending LOX, TIL or CD, proof of delivery, and New XXX to all entitled to rescind to re-open rescission (2 for each recipient). Within XXX days of discovery. | XXXClient provided The funding worksheet. Condition remains. Provide matching Funding CD for final testing. Additional conditions may apply. XXX Client provided corrected copies of the XXX Post (Funding) CD with Disbursement on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements, no additional REO<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX2XXX46 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI below guideline requirement of XXX %.<br>|
| 40XXX2XXX52 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence, XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession, XXX years<br>|
| 40XXX2XXX52 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Per DU #11 these two debts were omitted: Missing documentation to support omission of monthly payments (1). XXX #XXX $XXX balance (appears to go with new lease $XXX ; was a trade in ?) Lender to clarify (2). XXX #XXX $XXX balance (possibly goes with other new lease $XXX however need to support XXX debt goes w/XXX XXX) which was also a trade in? | XXX Client provided documentation to support both auto debts (XXX//XXX debt and XXX//XXX) both being a trade in and was listed on new updated lease agreement with payoff of both liens for each auto debt on each of the updated new lease that is now being received and provided the payoff for each, etc. File have been documented to omit these two debts and the new lease agreements are included in DTI. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence, XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession, XXX years<br>|
| 40XXX29XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per CompEase and Docutech tracking, revised LE dated XXX was sent to borrowers but is missing in file. | XXX Client provided missing LE XXX with COC for lock. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX %<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment XXX years<br>|
| 40XXX2XXX64 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. xxxs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but xxx recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, xxx grades the use of an H8 form in a same-lender refinance as a level B condition. | XXX Client provided an approved auto-exception for the incorrect ROR form used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High CreditXXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXCX X 3 = $ XXX)<br>|
| 40XXX2XXX70 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X 9 = $ XXX+ XXX Months for Additional REO or ($ XXX X 3 = $ XXX)<br>|
| 40XXX2XXX79 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | RESPA - List of homeowners counseling organizations not in file | XXX Client provided missing Homeowners Counseling Organization List dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit qualifying score XXX<br>|
| 40XXX2XXX79 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | RESPA: Required Affiliate Business Disclosure or FACT sheet missing. | XXX Client provided a signed letter of attestation reflecting Lender no longer has any Affiliated Business Arrangements as of XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit qualifying score XXX<br>|
| 40XXX2XXX79 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX88 | Verbal verification of employment missing | No | Missing 3rd party verification for XXX XXX withinXXX days prior to note date | XXX Client provided 3rd party SOS dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit qualifying score XXX<br>|
| 40XXX2XXX97 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX % DTI below guideline requirement of XXX%.<br>|
| 40XXX29200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXCX % DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXCX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV is below guideline maximum of XXX%<br>|
| 40XXX29200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide copies of the borrower asset statements to document the wire transfer of funds used for closing in the amount of $XXX ; $XXX; and $XXX | XXX Client provided some assets XXX #XXX, #XXX and XXX #XXX however source of assets were not documented to source wire transfer used for closing in the amount of $XXX; $XXX and $XXX (per initial condition). XXX Client provided duplicate (in file) assets along with some other documentation however with review of verified assets, if we backed out these wired transfer of funds assets, borrower would still have over $XXX verified in reserves. Condition is being satisfied with can be backed out and still will have sufficient funds to close and reserves | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXCX % DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXCX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV is below guideline maximum of XXX%<br>|
| 40XXX29217 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | XXX Client provided an exception approval for using incorrect ROR form | 12/22/2022 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXXC months of PITI available in reserves; XXX months required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX29XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR form in file signed on XXX with end of recession on XXX , earliest expiration date for Rescission is XXX. Borrowers were not provided full XXX days for rescission. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, LOE to borrowers, PCD and proof of shipping with tracking. | 12/11/25 Client provided the stamped Final ALTA and XXX PCCD. Condition remains. The RORs in file reflect an Expiration Date of XXX (Sunday). Earliest calculated Expiration Date would be XXX. The title holders were not given the required XXX day rescission period. Provide all title holders with a new ROR, LOE, proof of delivery and reopen rescission.12/XXX/2025 Client provided re-opened ROR's reflecting expiration dated midnight of XXX delivered XXX. Condition remains for end of rescission period. 12/18/25 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had excellent credit history with no derogatory occurrences, XXX months reviewed.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have had no late or derogatory mortgage credit history, XXX months reviewed.<br>|
| 40XXX29XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR form in file signed on XXX with end of recession on XXX , earliest expiration date for Rescission is XXX which is the same date as Disbursement date. Borrowers were not provided full XXX days for rescission and loan was disbursed before end of rescission date. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, LOE to borrowers, PCD with corrected Disbursement date, final ALTA statement with later disbursement date and proof of shipping with tracking. | 12/11/25 Client provided the stamped Final ALTA reflecting Disbursement on XXX and a corrected PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had excellent credit history with no derogatory occurrences, XXX months reviewed.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have had no late or derogatory mortgage credit history, XXX months reviewed.<br>|
| 40XXX29260 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Waived<br> B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations not provided w/in XXX days of application. As per Disclosure tracking the application is dated XXX. The Initial LE was issued XXX. Provided HOCL in file is dated XXX | 11/21/25 Client provided an approved exception for HOCL not provided timely. | 11/21/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at their current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX29260 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | State Consumer Protection | Waived<br> B | CMPSTCP2133 | MD Notice of Counseling provided more than 10 bus. days after app. | No | MD Notice of Counseling not provided w/in XXX days of application. As per Disclosure tracking the application is dated XXX. The Initial LE was issued XXX. Provided HOCL in file is dated XXX | 11/21/25 Client provided an approved exception for MD Counseling list not provided timely. | 11/21/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at their current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX29260 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at their current residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX292XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Tape shows loan locked for XXX XXX AUS 30 YR program. Missing AUS reflecting Approve/Ineligible or Accept/Ineligible. | 12.22.2025 Client provided DU dated 12.22.2025 and first submission date is 12.22.2025 with Note date XXX; DU was ran post close (ran after file disbursed and closed). Condition remains 1.7.2026 Client provided copy of lock switching from AUS to XXX 30 YR and XXX8 reflect the same, manual underwritten Condition remains to clarify rate/term or cash out refinance (paying off HELOC with no draw history verified in file) 1/7 Client updated lock to cash out | Satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX29293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX reserves, reserves needed XXX x XXX = XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>|
| 40XXX29300 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance in amount of $XXX due to increase in Appraisal Fee from $XXX on LE XXX to $XXX on Initial CD XXX without valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/19/2025 Client provided COC XXX reflecting appraisal fee increase due to Property Complexity with XXX disclosures including LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years with current employer, XXX in the field.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX. required reserves are $XXX.<br>|
| 40XXX29305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Provide second appraisal, as required for loan amount over $XXX. Loan documents show appraised value of $XXX and final CD shows appraisal fees to two companies, however, appraisal at $XXX is not provided. | 12.23.2025 Client provided 2nd full appraisal dated XXX with value of $XXX and 1st appraisal in file dated XXX valued at $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years with current employer.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are verified at $XXX, required reserves are $XXX.<br>|
| 40XXX29313 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 12/17/2025 Client provided Duplicates of the COC XXX reflecting Appraisal value and rate. Condition remains. Provide additional details for the increase of the Appraisal fee or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.12/23/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and In transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX30254 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years with current employer, B2 has XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>|
| 40XXX30445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing REO PITI document | 12.18.2025 Client provided XXX Written VOE used by DU to validate bonus income Ref ID XXX and provided mortgage statement to support PITIA on REO owned property | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX30445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX30445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $XXX due to increase in Appraisal fee by $XXX on LE XXX (need evidence borrower requested the rush) and Lender's credit decreased on CD XXX by $XXX (COC dated XXX in file but a revised CD is missing). Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/08/2026 Client provided A duplicate of Initial CD XXX and missing CD XXX with decrease of Lender credit due to extension and re-pricing on COC XXX. Retesting results in a tolerance amount of $XXX for the rush fee. Provide evidence of the borrower requesting the rush for review or PCCD reflecting $XXX lenders cure, LOE to borrower, a copy of the cure check and proof of delivery via shipping that includes tracking information.01/09/2026 Client provided PCCD XXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX30445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide sufficient documentation supporting $XXX PITI payment on XXX. REO. Subject to DTI recalc and may be subject to additional conditions. | 12.18.2025 Client provided evidence with Mortgage statement PITI of $XXX includes taxes/insurance for XXX. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX30445 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | Paystubs in file for Bonus income are not for a full XXX months. DU AUS reflects XXX (VOI/VOE) was used to support XXX month Bonus calc; please provide. Subject to income recalc and may be subject to additional conditions upon review. | 12.18.2025 Client provided XXX Written VOE used by DU to validate bonus income Ref ID XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX30451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Recording Fee increased on CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/02/2025 Seller comment: "Upon reaching out to the Processing Team for clarification as to why the recording fees increased on the COC issued on XXX, it was explained that the borrower decided to not close the loan in the trust. Therefore, a Warranty Deed was prepared, conveying the property to the borrowers as husband and wife". | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: 23.06% DTI; max XXX%.<br>|
| 40XXX30451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file. Provide e-Consent for all borrowers. | 12/02/2025 Client provided XXX for both reflecting accepted consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: 23.06% DTI; max XXX%.<br>|
| 40XXX30452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 3 has XXX Years in Current Profession<br>|
| 40XXX30463 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds program minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX exceeds required reserves $XXX.<br>|
| 40XXX30482 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX30489 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXX30500 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX30518 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived at current residence for XXX years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in line of work for XXX years.<br>|
| 40XXX30521 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide a copy of the missing AUS used in loan transaction. | 12.22.2025 Client provided DU AUS submission #22 dated XXX however #13 reflect subject address not being input as borrower primary principal residence for this refinance transaction. Condition remains for removal of #13 if subject is borrower primary residence, per XXX3 live at subject for XXX months. 1/8 Client provided the same DU #22 previously reviewed; condition remains1.14.2026 Client provided DU submission #XXX with correction | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI Is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>|
| 40XXX30549 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX30554 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has >XXX years at current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence > XXX years.<br>|
| 40XXX30580 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 12/29/25 Client provided an approved exception for using incorrect ROR form | 12/29/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have had timely mortgage payments, XXX months reviewed.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had no delinquent or derogatory credit history, XXX months reviewed.<br>|
| 40XXX30598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial LE XXX e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 12/10/25 Client provided the XXX LE, Tracking and both XXX E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% qualifying DTI<br>|
| 40XXX30598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | Re-Verifications | Waived<br> C<br> B | CRDRVRFC1821 | Undisclosed non-arm's length transaction revealed through independent re-verification | No | Guidelines: "A non-arms length transaction exists whenever there is a personal or business relationship with any parties to the transaction which may include the seller, builder, real estate agent, appraiser, lender, title company or other interested party "Loan is unallowed NAL: Per final CD, page 319 combined file, the Settlement Agent contact, XXX, XXX, appears to be related to Borrowers, having the same last name. XXX, XXX is also the third party/individual who signed on both Borrower's Patriot Act forms. | 12/03/2025 client provided an approved exception for NAL. | Upon further review by Senior Underwriter exception is deemed non-material. Credit score exceeds guideline and DTI is below guideline requirement. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% qualifying DTI<br>|
| 40XXX30603 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been with current employer for XXX years. B2 has been XXX for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX. required reserves are $XXX.<br>|
| 40XXX30612 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%, below guideline requirement XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: verified XXX(liquid XXX), as reserves. Per XXX AUS 30 guidelines reserve required XXX x XXX = XXX<br>|
| 40XXX30629 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3XXX | Loan documents do not meet guideline requirements | No | Missing lender's income worksheet. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 40XXX30634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>|
| 40XXX30XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to Appraisal increased from LE to CD. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/19/25 Client provided a missing, revised XXX LE, Tracking and XXX COC validating the Appraisal increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX30XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date is XXX, same as disbursement date. | 12.5.25- Hazard insurance not in effect at time of closing, however valid at time of delivery to RWT for Purchase review. | 12.5.25- waived. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX30888 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 12 points above minimum program requirement of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is lower than maximum program XXX%<br>|
| 40XXX30XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXXGuidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX30981 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in assets is sufficient to cover required reserves $XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Borrower score XXX exceeds guideline minimum XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% is below guideline requirement of XXX%.<br>|
| 40XXX30986 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing recent (dated within XXX days of Note date) XXX Non-Qualified Plan statement verifying distributions averaging at least $XXX monthly. The document in file is dated XXX. | 12/31 Client provided XXX XXX statement supporting income and continuance | Satisfied | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 40XXX31025 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been XXX for XXX years, B2 has been with employer for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 40XXX3XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Sourced on Seller CD. Satisfied. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX3XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD XXX days prior to consummation date of XXX | 12/23/2025 Client provided a duplicate of CD XXX with e-sign Process Summary reflecting Borrower viewed the CD on XXX also shows Co-Borrower didn't view the CD until XXX. Condition remains. Provide acknowledgement of receipt for CD XXX by Co-Borrower a minimum of XXX days prior to Consummation. 01/14/26 Upon review by internal Compliance counsel, for non-rescindable transactions, the CD can be provided to any joint borrower (Borrower confirmed receipt via tracking on XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX3XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Waived<br> C<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX Condition Waived | 12/08/2025 Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | Upon further review by Senior UW exception is deemed Non-material due to policy was in effect when the loan was delivered. | Not Applicable | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX3XXX9 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR257 | Appraisal form does not match property type(Condo) | No | Rider as well as commentary from the Appraisal reflect subject as a Condo , however FNMA 1073 Condo Appraisal Form was not used . | 12.22.2025 Client provided a document with address: XXX, A Condominium. Response, appraisal was not completed on Condo type appraisal (per initial condition), possibly subject may be a site condo which would allow to be completed on either form XXX4 (Single Family appraisal form) or 1073 (condo form) and with review of the Condo document provided, stating each owner is responsible for all maintenance within that owners unit and insurance coverage provided by each owner. Considering as site condo and only having two residences. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX31054 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; REO is lien free.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX31071 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Documentation | Satisfied<br> C<br> A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Mortgage Notary Signature Date is missing day of month. | 12/30/25 Client provided a corrected Notary Affidavit and signed letter of intent to re-record. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal use of credit and B2 have XXX properties, all are free and clear of liens<br>|
| 40XXX31071 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal use of credit and B2 have XXX properties, all are free and clear of liens<br>|
| 40XXX31071 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CDs e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation. Provide e-Consent for all borrowers. | 12/09/25 Client provided the E-Consents for both borrowers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal use of credit and B2 have XXX properties, all are free and clear of liens<br>|
| 40XXX31071 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Title | Waived<br> B | CRDTIL8XXX | Title Does Not Agree With Mortgage | No | B2 is Non Occupant Borrower Mortgage Vesting is in B1 (Occupant) name only Missing updated Mortgage/Deed of Trust with B1 and B2 (both) being vested | 12.XXX.2025 Client provided LOX stating, Non-occupant not required to be on title, can you clear this condition. Response, condition remains, missing updated Mortgage/Deed of Trust with B1 and B2 (both) being vested. 12.16.2025 Client provided exception approval for Non-occupant (B2) not being reflected on vesting for Deed of Trust/Mortgage | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score 804 and verified reserves of 128 months | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal use of credit and B2 have XXX properties, all are free and clear of liens<br>|
| 40XXX31072 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX31080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX ; total reserves required $XXX.<br>|
| 40XXX310XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Insufficient credit depth to meet the tradeline requirements. No active tradelines within the last XXX months. Client provided an email showing exception for insufficient tradelines is approved. | 1/7 Client provided an approved exception to allow the file with less than required trade lines | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required.<br>|
| 40XXX310XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Income/Employment | Waived<br> D<br> B | CRDINCXXX08 | Income verification does not meet guidelines | No | File is missing 20XXX signed personal tax returns with all schedules and attachments (1040) and 20XXX IRS tax transcripts. Client guidelines allow a copy of the tax filing extension for loans closed between the tax filing due date (typically XXX), and the extension expiration date (typicallyXXX). After the extension expiration date, loan is not eligible without prior year tax returns. Subject loan closed on XXX | 1.7.2026 Client provided duplicate income documents (in file) end of year 20XXX P/L and YTD 2025 P/L for self employment and file having 20XXX 1040 extension however loan closed on XXX in which required a copy of 20XXX 1040's and application date July 2025 Initial condition remains 1/7 Client provided an approved exception to allow the file without the 20XXX 1040s Schedule C Borrower has YTS P&L through 2025 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required.<br>|
| 40XXX3XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at job<br>|
| 40XXX3XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment, loan originated with the same creditor. Incorrect H8 ROR form was used for this refinance transaction. Condition is pending receiving a correct version H9 of NORTCs hand-signed by all entitled to rescind. | 12/26/2025 Client provided an approved auto exception for incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 40XXX31XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Documentation | Satisfied<br> C<br> A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Discrepancy was found between Appraisal and Mortgage. Per Appraisal in file, property is not in PUD zone. Mortgage was issued with a PUD Rider. | 01/XXX/26 Client provided an updated Appraisal adding the PUD information. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX31141 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC32XXX | Mortgage/Deed in file is incomplete | No | Missing Page 1 of Mortgage/Deed of Trust. Provide complete copy of document. | 12/08/25 Client provided the missing page 1 of the DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves.<br>|
| 40XXX31141 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves.<br>|
| 40XXX31144 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC806 | Notary Status is missing | No | Borrowers signed on a different dates. Missing Notary page for primary borrower signed on XXX | 01/06/2025 Client provided fully executed, all pages of the recorded Deed of Trust with Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX31144 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed on XXX with end of rescission date XXX. Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower | 12/23/2025 Client provide Funding PCCD along with the matching Final Alta/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX31144 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR from was used for refinance with the same lender instead of H9 ROR form. | 12/16/25 Client provided an approved exception for using incorrect ROR form | 12/16/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX31146 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 40XXX31XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM31XXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's QM status determination. | 12.23.2025 Client provided Lender QM Safe Harbor status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been employed at the same job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX31172 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | RESPA: Required Affiliate Business Disclosure or FACT sheet missing | 01/XXX/26 Client provided an Email from XXX Closing with screenshot showing the Broker answered No for Affiliates in their system (Correspondent loan). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have 5x required reserves.<br>|
| 40XXX31172 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> B<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have 5x required reserves.<br>|
| 40XXX31183 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per COC/Mavent, a Loan Estimate was issued on XXX which is missing from file. | 12/03/25 Client provided the missing 9/29 LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years in business<br>|
| 40XXX3XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX3XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower at current employment XXX years<br>|
| 40XXX31XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit 800 Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX31XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Real Estate Transaction fee for $XXX was added to the CD without a change of circumstance. Tolerance cure required for $XXX. Provide a letter of explanation, corrected Closing Disclosure, refund and proof of delivery within 60 days of consummation. | 12/XXX/2025 Client provided PCCD XXX reflecting charge moved to section H and LOE stating that the fee is a real estate transaction fee and not a title fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit 800 Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX31XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX31XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section E are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX31XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 01/XXX/2026 Client provided missing CD XXX with disclosures and Audit log showing success of log in. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX31XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX signed at closing on XXX is the only CD in file. Missing initial CD acknowledged by borrowers min XXX days prior to closing date. | 01/XXX/2026 Client provided missing CD XXX with disclosures and Audit log showing success of log in. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX31XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Discount Points on final CD XXX wit no COC or Rate lock in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/XXX/2026 Client provided missing LE XXX disclosures including Lock Agreement reflecting Discount Points added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX31250 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower1 has XXX years XXX months in profession.<br>|
| 40XXX31254 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Title | Satisfied<br> D<br> A | CRDTIL8XXX | Title incomplete | No | Title supplement reflects incorrect loan amount of $XXX which should be actual loan amount of $XXX. | 1.6.2026 Client provided updated Title commitment with amount of insurance of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>|
| 40XXX31280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC869 | Mortgage not signed | No | Mortgage is not signed by co-borrower/ title holder. | 12/19/25 Client provided an Email response from the Seller. Co-Borrower signed a Co-Signer Spousal Waiver at closing and Email chain reflects an LOE from the closing attorney stating: In NY, the mortgage document is only signed by the parties who are vested in title/deed for the property. In this case, the current vesting is under XXX only. XXX (co-signer) is only a non-vesting co-borrower. Reviewed by internal Compliance counsel. | Condition Satisfied. Manual Compliance Review. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX31280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Appraisal Desk Review fee on LE XXX with no valid reasons documented on COC XXX Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/XXX/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and Delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1XXX2: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX31286 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 12/18/25 Client provided an approved exception for using incorrect ROR form. | 12/18/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX312XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 40XXX31482 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX year at current employment<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX31482 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Assets | Satisfied<br> B<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing settlement statement for sale of XXX with Net proceeds of $XXX | 12.22.2025 Client provided executed HUD-1 from sale of home: XXX seller/borrower in the am | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX year at current employment<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX3XXX11 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX3XXX17 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX3XXX36 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for XXX years<br>|
| 40XXX3XXX37 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing the credit report; therefore, unable to complete ATR/QM review. xxx | 12/23 Client provided the credit | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXXyears same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced. $XXX effective, $xxx to close, $xxx reserves. Required: Subject XXX: $XXX XXX =$XXXrequired reserves. Reserve requirement met.<br>|
| 40XXX3XXX37 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXXyears same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced. $XXX effective, $xxx to close, $xxx reserves. Required: Subject XXX: $XXX XXX =$XXXrequired reserves. Reserve requirement met.<br>|
| 40XXX3XXX37 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Missing the credit report xxx | 12/23 Client provided the credit report | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXXyears same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced. $XXX effective, $xxx to close, $xxx reserves. Required: Subject XXX: $XXX XXX =$XXXrequired reserves. Reserve requirement met.<br>|
| 40XXX3XXX54 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years with current employer, B2 has XXX years.<br>|
| 40XXX3XXX57 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per disclosure tracker a revised CD was issued XXX. Missing revised CD w/ applicable COC forms. | 12/12/2025 Client provided LOX stating that the revised Disclosure sent on XXX was their closing package sent to the Title Company supported by Disclosure tracking details reflecting sent method closing Docs Ordered. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX3XXX57 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3XXX | Loan documents do not meet guideline requirements | No | Missing lender's income worksheet. | 12.12.2025 Client provided Lender income calculation worksheet for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX3XXX62 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Missing final CD acknowledged by borrowers at closing on XXX | 12/02/2025 Client provided a duplicate of the Final CD XXX signed by both on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max.<br>|
| 40XXX3XXX62 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure/ FACTS missing | 12/02/2025 Client provided the FACTS reflecting Lender has no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max.<br>|
| 40XXX3XXX62 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Discount Point increased from CD XXX to CD XXX with no COC/ updated Rate Lock in file. Condition is pending receiving a valid Change of Circumstances/ Rate Lock or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/02/2025 Client provided COC XXX reflecting loan locked with lower rate and increased points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max.<br>|
| 40XXX3XXX62 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers but a prior e-consent is missing in file. | 12/02/2025 Client provided accepted consent for e-delivery for both dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max.<br>|
| 40XXX3XXX62 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL22XXX | Note Not Executed | No | Missing page 2 and 3 of Note in file. Please provide a complete copy of executed Note. | 11.26.2025 Client provided all (3) pages of executed Note for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max.<br>|
| 40XXX3XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX3XXX66 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in current profession for XXX years.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had good repayment credit history with no late payments, XXX months reviewed.<br>|
| 40XXX3XXX73 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXXPITIAGuidelines require X months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX3XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per tracking in file, a revised LE XXX was issued and delivered to the borrower but is missing in file. | 12/XXX/2025 Client provided missing LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months reported 0x30; XXX months required.<br>|
| 40XXX3XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>|
| 40XXX31601 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX316XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX31618 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Credit Report increase from $XXX on LE XXX to $XXX on CD XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/10/25 Client provided a duplicate copy of the XXX COC and Revised CD. Condition remains. The Credit Report increased on the Initial XXX CD without a valid COC in file. Provide a valid COC for this increase, OR provide borrower with a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.12/30/25 Client provided a XXX PCCD, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX31618 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3XXX | Loan documents do not meet guideline requirements | No | Provide Final CD/HUD from purchase of subject property Provide source of Funds used to purchase subject property. File contained Future Payment Schedule with $XXX/month currently due. Document does not show a name or what the payment is for. Provide LOE on what this is for. Additional conditions may apply | 12.10.2025 Client provided duplicate (in file) HUD-1 for subject transaction however initial condition requested documentation was not provided, initial condition remains 12/17 Client provided the Final HUD and duplicate XXX statements; Condition remains for source of funds to close and File contained Future Payment Schedule with $XXX/month currently due. Document does not show a name or what the payment is for. Provide LOE on what this is for. Additional conditions may apply12/17 Client provided source of funds still need File contained Future Payment Schedule with $XXX/month currently due. Document does not show a name or what the payment is for. Provide LOE on what this is for. Additional conditions may apply12/17 Client provided an approved exception to allow the file with print out evidence showing less than 10 payments remaining but missing the loan terms | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX31625 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Max DTI allowed is XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX31634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing a copy of the borrowers credit report | 12.11.2025 Client provided copy of credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX31634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per Disclosure Tracking Summary, a revised Closing Disclosure was issued on XXX which is missing from file. | 12/11/25 Client provided a duplicate copy of the XXX CD and XXX COC. Condition remains. Provide the missing XXX CD.12/23/2025 Client provided missing CD XXX with COC XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX31634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/11/25 Client provided a duplicate copy of the XXX CD and XXX COC. Condition remains. Appraisal Fee increased $XXX on the Revised XXX LE without a valid reason/explanation on the XXX COC in file. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking.12/22/2025 Client provided COC XXX. Condition remains. Provide a valid reason for the increase of the appraisal fee or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 12/31/25 Client provided an Appraisal Invoice and Service Summary along with the following Seller comment: Invoice for appraisal was received after appraisal fee was disclosed. COC already uploaded. That is why the fee increased. Condition remains. Receipt of an Appraisal Invoice is not a valid "change in circumstance" reason for increasing an Appraisal Fee. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.01/07/2026 Client provided PCCD XXX reflecting cure and COC for LOE. Condition remains. Provide copy of the cure check and evidence of delivery via tracking. 01/13/26 Client provided the full cure package including the refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX31634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing a copy of the borrowers credit report | 12.11.2025 Client provided copy of credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX31634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Provide a copy of the borrowers credit report | 12.11.2025 Client provided credit report dated 11.5.2025 | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX31634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide a copy of the CDA. FNMA CU Risk 3.6 which exceeds guideline requirement of 2.5 or less. | 12.11.2025 Client provided 3rd party CDA however not belonging to this file transaction. Initial condition remains12.22.2025 Client provided 3rd party CDA valuation supporting appraised value | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX31638 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX year at current employment<br>|
| 40XXX31638 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing XXX8 | 1.XXX.2026 Client provided lender XXX8 (withing guidelines) | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX year at current employment<br>|
| 40XXX31XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years with current employer.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 40XXX31XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 40XXX31XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 12.10.2025 Client provided FHLMC LCA Risk 1.0 however per XXX 30 YR guidelines, allow for CU Score vs CU/LCA Score. Condition remains for CU Score 2.5 or less or 3rd party CDA valuation supporting appraised value Collateral Underwriter (CU)) score in lieu of a CDA or CCA.? The use of the Collateral Underwriter (CU) score in lieu of a CDA is allowed with the following requirements' UCDP SSR included in loan file with a Fannie CU score of 2.5 or- less No score or exceeds 2.5, CDA/CCA is required.12.17.2025 Client provided UCDP CU Score 1.0 | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 40XXX31XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX5: Significant total monthly debt reduction<br> - xxx Comments: XXX years same line of work<br>|
| 40XXX31XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide asset documents, meeting guidelines, to support the following:1. Source for XXX debt paid in full2. Source for XXX REO Heloc paid down from XXX to $XXX. Only XXX sourced, page 940 combined file. \* Subject to DTI and asset recalc and may be subject to additional conditions upon review. | 12/XXX client provided evidence Rize paid in full; and Heloc pay down transfers | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX5: Significant total monthly debt reduction<br> - xxx Comments: XXX years same line of work<br>|
| 40XXX31XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> B<br> A | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | Max DTI is XXX%Qualifying DTI is XXX%, due to xxx using higher XXX% calc for CA property taxes and using $XXX payment for XXX REO Heloc per XXX CBR verification, page 794 combined file. | 12.22.2025 Client provided LOX stating, please see tax assessment calculation, slightly lower than the standard XXX%. Response, duplicate tax documents provided that was in file however CA property and agree for XXX% for taxes calculation and for XXX monthly payment of $XXX. Initial condition remains 12/XXX On review DD can accept the Tax calc using actual mill rate; However this will not CURE DTI, Condition remains for REO PITIA docs supporting calculation with XXX payment verified for XXX with $XXX payment DTI exception remains 1/6 Client provided revised XXX3/XXX8 with credit supp showing $XXX payment for HELOC and revised RSU income calc; DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX5: Significant total monthly debt reduction<br> - xxx Comments: XXX years same line of work<br>|
| 40XXX31XXX5 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX0 | Income docs do not meet guidelines | No | Guidelines for RSU:'A XXX(XXX) year average of prior income received from RSUs or stock options should be used to calculate the income, with the continuance based on the vesting schedule using a stock price based on the lower of the current stock price or the XXX-week average for the most recent XXX(XXX) months reporting at the time of application. 'Lender used: XXX month average with higher XXX week average stock price for calc | 12.20.2025 Client provided LOX stating, Current stock price being used for continuance stock, that is not being considered since higher than historical. Lender used most conservative approach on RSUs and incorporated the stock price, could have used higher amount of actual cash funds received from RSUs, can you review and cancel. Response, Client provided duplicate RSU income calculation (in file), appears employment started in Year 2023 and per end of year 2023 paystub no RSU however received a sign on bonus and end of year 20XXX paystub do reflect some RSU income and YTD 2025 reflect even lessor RSU, XXX week average stock price $XXX (being used by Lender) and current stock price of $XXX (should have been used), per guidelines based on the lower of the current stock price or the XXX-week average. Initial condition remains, (a). lower stock price of $XXX should have been used vs $XXX and (b) appears RSU income decreased from Year 20XXX to YTD 2025 12/XXX Client provided RSU worksheet still using incorrect stock price the Lower $XXX must be sued for the RSU calculation, RSU income appears to be declining 12/26 Client provided income calculation for XXX month average; Still need the Continuance calculation using the correct $XXX to support the income used to qualify12/29 Client provided supporting calculation for future vesting "Future vesting for 2026/2027 for XXX months is XXX and XXX for total of XXX X $XXX= $XXX much more than the amount they are using of $XXX per month" | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX5: Significant total monthly debt reduction<br> - xxx Comments: XXX years same line of work<br>|
| 40XXX316XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX31670 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 40XXX31678 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above minimum program requirement of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is lower than maximum program XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower1 has XXX years XXX months at current job.<br>|
| 40XXX31684 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>|
| 40XXX31686 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX month at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX month at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX.<br>|
| 40XXX31688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: QM SH APOR, Final CD XXX, Lock date XXX, appraisal review required.XXX XXX AUS 30 YRIncome: used VOI annual; $XXX/XXX= $XXX/mo., plus current bonus; $XXX/XXX= $XXX/mo. Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX5: Significant total monthly debt reduction<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>|
| 40XXX31688 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI insurance effective date is XXX with disbursement date XXX | 12.22.25- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review. | 12.22.25- waived. | Not Applicable | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: QM SH APOR, Final CD XXX, Lock date XXX, appraisal review required.XXX XXX AUS 30 YRIncome: used VOI annual; $XXX/XXX= $XXX/mo., plus current bonus; $XXX/XXX= $XXX/mo. Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX5: Significant total monthly debt reduction<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>|
| 40XXX316XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XX points above guideline program minimum of XXX.<br>|
| 40XXX31712 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>|
| 40XXX31714 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX317XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX of assets is sufficient to cover required reserves $XXX/XXX = $XXX.<br>|
| 40XXX31716 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. X months required<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX31722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per COC XXX, revised CD is missing. | 12/26/2025 Client provided missing CD XXX with duplicate COC XXX and Disclosure tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX verified reserves with only $XXX required by guides<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months 0x30 mortgage payment history exceeds guideline of XXX months.<br>|
| 40XXX31722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3XXX8 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Initial CD XXX APR XXX%. Revised CD XXX was disclosed to borrower with higher APR XXX% which resets the waiting period of XXX days before loan can close. Closing date took place on XXX, loan was consummated prior to end of waiting period. | 12/26/2025 Client provided missing CD XXX with duplicate COC XXX. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX verified reserves with only $XXX required by guides<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months 0x30 mortgage payment history exceeds guideline of XXX months.<br>|
| 40XXX31722 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | LTV/CLTV | Waived<br> B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Upon further review, Sr xxx underwriter determined that the guideline infraction is non-material due to the following compensating factors: $XXX verified reserves with only $XXX required by guides, XXX mo. 0x30 mortgage payment history, XXXqualifying FICO score. | 12/23 Client provided an approved exception to allow the file with LTV exceeding GLS | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX verified reserves with only $XXX required by guides<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months 0x30 mortgage payment history exceeds guideline of XXX months.<br>|
| 40XXX31805 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX88 | Verbal verification of employment missing | No | Missing VOE's for both borrowers within XXX days prior to note date | 1.2.2026 Client provided VVOE for both borrowers dated XXX within XXX business days prior to note date | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX31806 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Appraisal Desk Review fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/30/25 Client provided a duplicate copy of the XXX COC, XXX LE and the following Seller comment: The COC was done on XXX - this was done because Appraised value is higher than estimated Settlement Charge - Appraisal Fee Added for desk review - So because of the value, we got a desk review which was disclosed the the borrower in the appropriate amount of time. Condition remains. Provide supporting documentation for review, to validate how the Appraisal Value resulted in the addition of a Desk Review fee. Subject to re-review.12/31/25 Client provided the following response: The desk review was done because of the CU score. Upon review by Sr. Ops Manager, Freddie Mac UCDP Report indicates an LCA Risk score of 4.5. Report dated XXX. Timing for redisclosure met. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>|
| 40XXX31807 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months for reserves is sufficient to cover required $XXX.<br>|
| 40XXX31809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Please provide the following documentation for B2 Trust Income.\*Income from trusts may be used if guaranteed and regular payments will continue for at least three (3) years.\*Copy of trust agreement or trustee statement showing:? Total amount of borrower designated trust funds.? Terms of payment.? Duration of trust.? Evidence the trust is irrevocable | 12.21.2025 Client provided duplicate Trust purpose and by-laws (in file pg. 921), initial condition remains 1.5.2026 Client provided Lender income calculation used for each and regarding XXX, this is not coming from Trust, it is business where borrower receives w2 income. Response, file have paystub and prior two years w2's however if not coming from trust file is missing VVOE prior to closing along with evidence borrower having no relationship with XXX due to was requested in initial condition however per Lender not Trust income. 1/12 Client provided the VVOE Condition satisfied as Borrower is employee of Trust | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX; $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX (ran through XXX). $XXX x XXX = $XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>|
| 40XXX31809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX; $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX (ran through XXX). $XXX x XXX = $XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>|
| 40XXX31809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide 3rd party VOE for B2 for XXX dated within XXX calendar days prior to Note date. Provide VVOE for B1 from XXX dated within XXX business days prior to Note date | 12.21.2025 Client provided duplicate (in file pg. 1169) VVOE, initial condition remains for Red Hammer VVOE for B2 (3rd party) and for B1 dated within XXX business days of Note date. 3rd party VVOE provided is for XXX and XXX however initial condition is for XXX (for B1/B2) 12/XXX Client provided a Paystub in lieu of VVOE for B1 and a XXX third party VOE for B2 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX; $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX (ran through XXX). $XXX x XXX = $XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>|
| 40XXX31809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Please provide the following documentation for B2 Trust Income.\*Income from trusts may be used if guaranteed and regular payments will continue for at least XXX (XXX) years.\*Copy of trust agreement or trustee statement showing:? Total amount of borrower designated trust funds.? Terms of payment.? Duration of trust.? Evidence the trust is irrevocable | 12.21.2025 Client provided duplicate Trust purpose and by-laws (in file pg. 921), initial condition remains 1.5.2026 Client provided Lender income calculation used for each and regarding XXX, this is not coming from Trust, it is business where borrower receives w2 income and provided website of XXX. Response, file have paystub and prior XXX years w2's however if not coming from trust file is (a). missing VVOE (from Trust B2) prior to closing along with (b). evidence B2 having no relationship with XXX due to was requested in initial condition however per Lender not Trust income. 1/12 Client provided the VVOE and an LOX confirming the Borrower is an employee of the Trust and is not a beneficiary | Satisfied; xxx XXX deems non material Bwr is employee of Trust income documented | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX; $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXXXXX (ran through XXX). $XXX x XXX = $XXX<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>|
| 40XXX31811 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXXX 3 = $ XXX)<br>|
| 40XXX31811 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Insurance | Waived<br> C<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX. Per final CD disbursement date is XXX Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | Not Applicable | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXXX 3 = $ XXX)<br>|
| 40XXX31811 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS as required by guidelines for XXX XXX AUS 30 YR | 1/9 Client provided a lock changing the program to XXX 30Y | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXXX 3 = $ XXX)<br>|
| 40XXX32133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | RESPA | Waived<br> B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations in file is dated XXX | 12/18/2025 Client provided an approved exception for HOCL not provided within XXX days of application | 12/18/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX32133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Review was added $XXX, Lender's Title Insurance increased by $XXX and Lender Credits decreased by $XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/31/2025 Client provided PCCD XXX with $1XXX.00 cure, copy of cure check, LOE and In Transit shipping label. Condition remains. Provide valid reason COC's for the increase to Lenders Title Ins and decrease of Lender Credit or PCCD with $XXX additional cure, Copy of cure check, LOE to Borrower and evidence of delivery via tracking. 01/07/26 Client provided a copy of the XXX COC with CD and missing XXX COC with CD. COCs validate the Title Ins and Lender Credit changes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX32133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR848 | Missing Hazard Insurance | No | Provide subject Hazard Insurance | 12.22.2025 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX32XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX32176 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves.<br>|
| 40XXX32226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has had timely mortgage payments, XXX months reviewed.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has had no derogatory or delinquent credit history, XXX months reviewed.<br>|
| 40XXX32227 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file. loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 12/29/25 Client provided an approved exception for using incorrect ROR form. | 12/29/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgages<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX32235 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers but a prior e-consent is missing in file. | 12/29/25 Client provided the missing E-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX32XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | Provide signed 20XXX 1120S | 1.6.2026 Client provided signed dated by Borrower 1120S 20XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>|
| 40XXX32XXX2 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS. Number of years of income docs (XXX year in file) to be confirmed once AUS is received. Final XXX3 did not show any rental income being used. Additional conditions may apply. | 1.6.2026 Client provided DU AUS submission #4 dated XXX and allowing use of XXX year with having over XXX years XXX employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>|
| 40XXX32XXX3 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been employed at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXXreserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX32251 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Documentation | Satisfied<br> C<br> A | CMPDOC3076 | Legal document was not executed or is incomplete | No | The Deed of Trust is missing the Notary Date. | 01/12/2026 Client provided the complete recorded Deed of Trust including Notary date with the PUD Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 40XXX32251 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added CDA fee $XXX on CD XXX with no valid reasons documented on COC XXX and added Recert of Value fee $XXX on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/08/26 Client provided an LOE from Seller, CDA, Invoice and Email. Re-review validates fee additions. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 40XXX32252 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 40XXX32254 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX%CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>|
| 40XXX32254 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | DTI | Satisfied<br> C<br> A | CRDDTI187 | Debt Ratio > 60% | No | DTI XXX%. The higher DTI is because the rental loss for XXX is actually <$XXX> not <$XXX>. | 12819 Client asked for a review; on review leases used for summer street limited rental days on taxes, REO income recalculated with leases DTI XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX%CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>|
| 40XXX32254 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | FNMA UCDP CU > XXX%. Missing CDA supporting appraised value $XXX. | 12.18.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX%CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>|
| 40XXX32255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing proof XXX proof taxes and insurance . Missing proof of the fairway mortgage loan and proof of tax, insurance and any homeowner association (or confirmation not in an hoa) for XXX | 7/8 Client provided glacier view PITI; still missing XXX mortgage history1.8.2026 Client provided executed CD from new purchase of XXX. supporting PITIA of $XXX used on REO of XXX3 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX32255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX32255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 01/08/26 Client provided the Disclosure Tracking Summary and Detail pages reflecting the E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX32255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof XXX proof taxes and insurance . Missing proof of the fairway mortgage loan and proof of tax, insurance and any homeowner association (or confirmation not in an hoa) for XXX | 1/8 Client provided evidence of PITI for Glacier view, Missing Fairway mortgage terms/history for XXX1.8.2026 Client provided executed CD from new purchase of XXX. supporting PITIA of $XXX used on REO of XXX3 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX32255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3XXX | Loan documents do not meet guideline requirements | No | Per Data Verify Borrower still owns XXX Provide documentation that Borrower no longer owns property | 1/8 Client provided a XXX3/XXX8, However undisclosed land REO was not added; condition remains 1.8.2025 Client provided updated XXX3 adding XXX on REO of XXX3 and verified taxes/HOI of $XXX and included now in DTI with updated XXX8 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX32259 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX32267 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2XXX6 | Missing disclosure | No | Per Disclosure Tracking Summary, a revised LE was issued on XXX but not in file. Condition is pending receiving revised LE. | 12/20/25 Client provided the missing XXX LE and Tracking. COC in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETPost Close Assets are $XXX or XXX of PITIAGuidelines require Subject XXX months + XXX for XXX = $ XXX X XXX = $XXX+XXX months for each financed REO: XXX x XXX = XXX= XXX required, met<br>|
| 40XXX322XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI Is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%.<br>|
| 40XXX32278 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX32281 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Appraisal fee from $XXX to $XXX on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 01/09/2026 Client provided PCCD XXX with cure, copy of cure check, COC for LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXXexceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, total required reserves are $XXX.<br>|
| 40XXX32368 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been XXX in their profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been in the same residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX32369 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has had timely mortgage payments, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrower has no history of derogatory mortgage history in the past XXX months.<br>|
| 40XXX32372 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>|
| 40XXX323XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Final Settlement Statement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX323XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSRXXX00 | Missing Flood Certification Document | No | Missing flood certificate. | 12.29.2025 Client provided subject Flood Certificate, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX323XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Hazard insurance is dated XXX with note dated XXX with loan disbursement dated XXX. | XXX provided exception approval for Insurance Effective date is greater than the transaction date | xxxs final grade B | Not Applicable | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX32393 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers' have had timely mortgage payment history, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have had no derogatory mortgage occurrences in the past XXX months.<br>|
| 40XXX32393 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to 2nd increase (1st increase was on XXX) in Appraisal fee from $XXX to $XXX on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/29/25 Client provided an Email response from the Seller that states: Can you please provide clarification on the condition listed below. We provided a COC for the appraisal increase. Please advise. The Appraisal Fee increased initially on the XXX LE with a XXX COC that was accepted for the XXX schedule change reason. Then the Appraisal Fee was increased again on the XXX LE using the same change reason on the XXX COC. This increase was not validated, as the change reason (XXX schedule difference) does not appear to be valid, as it's a duplicate of the reason stated on the prior XXX COC (for the first increase). Provide a valid COC for the additional fee increase on XXX, OR provide borrower with a $XXX refund, PCCD, LOE and proof of delivery with tracking.01/02/2026 Client provided PCCD XXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers' have had timely mortgage payment history, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Borrowers have had no derogatory mortgage occurrences in the past XXX months.<br>|
| 40XXX3XXX09 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history shows no derogatory events since account opening XXX<br>|
| 40XXX3XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to Recording fee increased from $XXX to $XXX on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/07/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX3XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrower but a prior e-consent is missing in file. | 12/31/25 Client provided the XXX e-disclosure summary reflecting the XXX e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX3XXX19 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | Insurance | Waived<br> C<br> B | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX . Per final CD disbursement date is XXX . Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX3XXX23 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form | 12/26/25 Client provided an approved exception for using incorrect ROR form | 12/26/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXXYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX3XXX27 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX2 points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers had XXX years XXX months at departing residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower1 has XXX years XXX months with current employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower2 has XXX years XXX months with current employer<br>|
| 40XXX3XXX27 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Unable to locate Verbal Verification of employment no more than XXX(XXX) business days prior to the Note date. Verbal verification dated XXX is greater than XXX business days from Note date XXX for borrower1 XXX | 12.22.2025 Client provided VVOE dated XXX for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX2 points above minimum program requirement of XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers had XXX years XXX months at departing residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower1 has XXX years XXX months with current employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower2 has XXX years XXX months with current employer<br>|
| 40XXX3XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX32532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX32533 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing PITIA documentation for departing residence to complete ATR/QM review. | 12.19.2025 Client provided copy of XXX #XXX verify PI of $XXX and provided evidence of taxes/hoi totaling $XXX and LOX from borrower no monthly HOA (same PITIA as reflected on REO of XXX3) | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for XXX years<br>|
| 40XXX32533 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for XXX years<br>|
| 40XXX32533 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide a copy of the XXX XXX #XXX statement for XXX to verify if taxes and insurance are escrowed and document any HOA fees. If taxes and insurance are not escrowed, provide a copy of the tax and insurance statements. | 12.19.2025 Client provided copy of XXX #XXX verify PI of $XXX and provided evidence of taxes/hoi totaling $XXX and LOX from borrower no monthly HOA (same PITIA as reflected on REO of XXX3) | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for XXX years<br>|
| 40XXX32538 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX= $ XXX+XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX32547 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 40XXX32547 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing documentation verifying monthly amount of insurance, taxes, association dues, etc. for 2 additional properties owned located at XXX and XXX. If a mortgagee shows on either of the hazard insurance policies, then an updated policy with the mortgagee removed verifying properties are owned free & clear will be required. Used amounts from final XXX3 for recalculations. | 12.31.2025 Client provided the following for: XXX. evidence of taxes/insurance and monthly HOA supporting amount on REO of XXX3 and provided for: XXX. evidence of taxes/insurance and monthly HOA supporting amount on REO of XXX3 and HOI reflecting no mortgagee, both appears to be free and clear of liens | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 40XXX32551 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>|
| 40XXX32552 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds program minimum of XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0X30 for XXX months exceeds program minimum of XXX months.<br>|
| 40XXX32552 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fee for an Appraisal Desk Review Fee in the amount of $XXX was added to LE XXX; the fee was reduced to $XXX on Final CD XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 12/26/2025 Client provided Duplicate LE XXX and COC XXX reflecting CDA Desktop Appraisal Required. Condition remains. Provide a valid reason that requires a CDA to be done. 12/29/25 Client provided another XXX COC with additional details explaining why the CD fee was added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds program minimum of XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0X30 for XXX months exceeds program minimum of XXX months.<br>|
| 40XXX32553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 12/19/25 Client provided the Lender FACTS stating they have no affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX32553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is the only CD in file. Product not disclosed at least three days prior to closing date of XXX | 12/19/25 Client provided the missing XXX Initial CD and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX32553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | The file contains only the Final CD signed at closing. Provide the Initial CD with confirmation of borrower receipt at least XXX business days prior to consummation. Additional conditions may apply. | 12/19/25 Client provided the missing XXX Initial CD and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX32553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Missing sufficient liquid assets to cover closing costs in the approximate amount of $XXX | 12.20.2025 Client provided duplicate of all assets in file and appears only liquid assets verified of $XXX w/XXX#XXX cash to close require of $XXX and other assets verified are non liquid. XXX 30 YR require liquidation if being used for down payment/closing cost. 1.6.2026 Client provided XXX #XXX XXX/XXX statement with balance of $XXX however still short liquid funds to close of $XXX; condition remains (other assets are non-liquid). 1/8 Client provided evidence cash to close $XXX came from XXX #XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX32558 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, a loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 12/23/25 Client provided an approved exception for using incorrect ROR form | 12/23/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>|
| 40XXX32559 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX year at current employment<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>|
| 40XXX325XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXX32596 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3XXX | Loan documents do not meet guideline requirements | No | 1) Provide a copy of the tax calculation to support tax amount of $XXX/XXX=$XXX/month used in subject PITI. | 12/XXX Client provided supporting tax bill | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>|
| 40XXX32597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have had timely mortgage payments, XXX months reviewed.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in current profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV is XXX%, subject LTV is XXX%.<br>|
| 40XXX32601 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX32601 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers but the earliest E-consent/ XXX tracking found in file is dated XXX. Missing e-consent on or prior XXX | 12/23/2025 Client provided accepted consents for both dated XXX and XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX32602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX32603 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX32606 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 12/31/2025 Client provided missing Homeowners Counseling Organization List dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX32632 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX32725 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing copy of the XXX lease agreement. Documentation subject to further review DTI subject to recalculation more conditions may apply. | 12.22.2025 Client provided copy of terms w/XXX Lease agreement along with Transfer of XXX agreement supporting monthly payment of $XXX per month | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower1 has XXX years XXX months with current employer.<br>|
| 40XXX32728 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment X years<br>|
| 40XXX32728 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Assets | Satisfied<br> B<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | 2 monthly consecutive statements required, missing 2nd consecutive statement for XXX XXX, XXX and XXX, statement in file dated XXX | 12.19.2025 Client provided 2nd consecutive month (XXX) statement for XXX #XXX, #XXX and #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment X years<br>|
| 40XXX32729 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower 2 does not meet the 3 tradeline requirement; has 2 active tradelines and 1 authorized user account. | XXX exception approval in file for the # of Tradelines Does Not Meet Guideline Requirements | xxxs final grade B | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX32XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX32XXX6 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years with current employer.<br>|
| 40XXX32XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI Is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX32XXX8 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>|
| 40XXX32781 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 | 12/31/25 Client provided approved exception for the incorrect ROR form used. | 12/31/25 Initial & Final Grade B. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX327XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX32793 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Survey Fee increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/08/26 Client provided a XXX PCCD with cure, $XXXrefund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has XXX years XXX months at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guideline minimum of XXX by 111 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months for reserves is sufficient to cover required $XXX.<br>|
| 40XXX32794 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>|
| 40XXX32798 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX32798 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | Provide signed 20XXX 10XXX for XXX or 20XXX Business Tax Transcripts | 12.20.2025 Client provided 1040 20XXX tax returns however initial condition is for: Provide signed 20XXX 10XXX for XXX or 20XXX Business Tax Transcripts. Initial condition remains 1.5.2026 Client provided pg. 1 of 10XXX 20XXX executed and dated by Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 40XXX32801 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Credit report shows zero derogatory events since account opening XXX<br>|
| 40XXX32809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | Right of Rescission | Waived<br> B | CMPROR1XXX9 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. xxxs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but xxx recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, xxx grades the use of an H8 form in a same-lender refinance as a level B condition. | 12/22/2025 Client provided an auto approved exception request for Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX32809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date XXX. Initial CD date issued XXX. No Confirmation of Receipt of Initial CD for NBS or evidence of NBS receiving initial CD w/ proof of delivery min XXX days prior to consummation. | 12/31/25 Client provided a screen shot of the XXX disclosure tracking showing e-consent and receipt by the non borrower on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX32809 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing income calculation worksheet for self employed borrower. | 12/26 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX328XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Provide full 20XXX business tax returns for XXX, only page 1 was provided. | 12.26.2025 Client provided full complete copy of 1120S 20XXX business returns for XXX, income used for qualifying for B2 self employment w/XXX is supported. File have pg. 1 of 1120S 20XXX signed dated (pg. 821) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has been XXX for XXX years, B2 has been XXX for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX<br>|
| 40XXX32823 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXX points above guideline program minimum of XXX.<br>|
| 40XXX32843 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 40XXX32921 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>|
| 40XXX32921 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide a copy of the DU AUS used for closing. May require additional conditions. | 1.XXX.2026 Client provided DU (A/Ineligible) AUS submission #7 Casefile ID XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same profession for XXX years<br>|
| 40XXX32928 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 have been in the same line of work for XXX years. B2 have been in the same line of work for XXX years.<br>|
| 40XXX32XXX0 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at departing residence > XXX years.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%<br>|
| 40XXX32XXX6 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>|
| 40XXX32961 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX32964 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing XXX8 Transmittal Summary. | 1.7.2026 Client provided Lender transmittal summary with LTV/DTI info, not the actual XXX8 however have similar info as a XXX8' accepting. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>|
| 40XXX32966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower a current employment XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX32985 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E signed for all title holders. No evidence of E consent provided for NBS. Missing E consent for NBS. | 01/XXX/26 Client provided the XXX CD tracking that reflects E-consent for all parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX33002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX33002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 12/29/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX33002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrower min XXX days prior to closing date. | 12/29/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX33002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added 2nd Appraisal fee $XXX on LE XXX with no valid reasons documented on COC XXX and increased Transfer Tax from $XXX on initial LE XXX to $XXX on final CD XXX with no valid reasons documented on COC XXX or COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/29/25 Client provided an Email stating the Seller provided the following statement: After consulting with the Processing Team, we confirmed that the transfer tax rate in Maine increased in XXX. We received the updated fees from the Title Company on XXX and promptly redisclosed the revised Transfer Tax to the borrower. Regarding the Second Appraisal Fee, the builders construction delay caused the initial Appraisal Report to expire, necessitating a new appraisal. Condition remains. Provide supporting documentation, from the time of the changes, validating the Seller explanations. Include the original Appraisal that expired (Appraisal in file is dated XXX) and the change in the transfer tax rates (need some form of documentation to confirm the date the Seller obtained this information). Subject to re-review.01/02/2026 Client provided 1st appraisal dated XXX supporting the expiration requiring a 2nd Appraisal. Also provided, a notice of Transfer tax changes supported by the XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 40XXX33003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX33003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide XXX months bank statements for XXX #XXX. | 1/6 Client provided a XXX XXX XXX statement but it is Post close dated; provide a 2nd statement dated prior to close1.9.2026 Client provided XXX XXX #XXX bank statement however appears we are missing XXX statement for #XXX; print out in file for #XXX is using balance from XXX (Note dated XXX); condition remains for XXX XXX statement for #XXX1.9.2026 Client provided copy of XXX XXX #XXX statement (which was included in prior upload along with XXX statement) | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX33003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH123 | No evidence of required debt payoff | No | Provide documentation that tax lien for the State of California in the amount of $XXX has been paid. Case # XXX . This was reviewed on third party Data Verify | 1/6 Client provided the lien release | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX33003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide completed VOE for B2. Start Date/Position/Active? | 1/6 Client provided a VVOE for B2 | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX33006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has been at current job >XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 40XXX33006 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Waived<br> B | CRDINCXXX0 | Income docs do not meet guidelines | No | Missing copy of XXX Analysis for using income from K1 box 1 (greater amount) than box D (lower amount). | 12/21/25 Upon further review XXX xxx XXX determined that the lack of copy of a XXX Analysis for using income from K1 box 1 (greater amount) than box D (lower amount). is non material due to the following compensating factors: cash reserves, credit score exceeds guidelines and DTI | Final grade of B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has been at current job >XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 40XXX33185 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX exceeds guide lines.<br>|
| 40XXX33185 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open trade line appearing on credit report which is an authorized user only. | Client provided exception approval for # of Tradelines Does Not Meet Guideline Requirements | xxxs final grade B | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX exceeds guide lines.<br>|
| 40XXX33236 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX by 28 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months for reserves is sufficient to cover required $XXX.<br>|
| 40XXX33236 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Survey fee added on initial CD XXX with no COC in file. Written List of Providers doesn't allow borrower to shop for a survey service, therefore fee is not a shoppable fee and is tested for XXX% tolerance violation. Tolerance cure required for $XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/07/26 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX by 28 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months for reserves is sufficient to cover required $XXX.<br>|
| 40XXX33238 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home<br>|
| 40XXX33238 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence of Gift $XXX sent to title from Donor | 12/XXX Client provided the Gift letter and Wire to closing | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home<br>|
| 40XXX33253 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | State Consumer Protection | Satisfied<br> D<br> A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing Illinois Predatory Lender Database Certificate of Compliance or Certificate of Exemption. | 01/14/26 Client provided the IL APLD Housing Counseling Decision Report. Condition remains. Provide the IL Certificate of Compliance OR Exemption that is recorded with the Mortgage/DOT.01/16/2026 Client provided missing Illinois Anti Predatory Certificate of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in current industry for XXX years.<br>CFCFS1XXX0: High potential for increased earnings<br> - xxx Comments: B1 has a high potential for increased earnings based on offer letter outlining XXX structure.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers' mortgage payments have been timely without derogatory occurrences, XXX months reviewed.<br>|
| 40XXX33266 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX33270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX33272 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>|
| 40XXX33272 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | AUS requires bank statements covering a two-month period. There is only one-month XXX statement. Missing XXX or XXX XXX statement. | 1.6.2026 Client provided prior month (XXX) statement for XXX #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>|
| 40XXX332XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: co-borrower has been in the same profession for XXX years.<br>|
| 40XXX33292 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX332XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 40XXX33313 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXX33317 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>|
| 40XXX33323 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX as Recording fee increased from $XXX on initial CD XXX to $XXX on Funding CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/09/2026 Client provided PCCD XXX with cure, copy of cure check and LOE. Condition remains for evidence of delivery via tracking. 01/14/26 Client provided the delivery confirmation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 reported XXX months; XXX months required.<br>|
| 40XXX33342 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/08/26 Client provided a signed LOE from Lender stating they do not have any affiliated business arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX33347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Property Valuations | Property | Waived<br> B | PRVAPROP1XXX | Property Issues Indicated | No | Subject is a unique property with oil/gas lease outside guidelines. | 1/2/26- Lender approved exception for unique property. UW determined that is non-material due to the following compensating factors of low LTV (XXX), Fico score XXX, and stable employment. | Final Grade B. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has stable employment with XXX years at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>|
| 40XXX33357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%.<br>|
| 40XXX33367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 40XXX333XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement XXX%.<br>|
| 40XXX333XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 40XXX33378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above minimum program requirement of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV is below the guideline max<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX required reserves<br>|
| 40XXX33381 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require x months or $ XXX X XXX = $ XXX<br>|
| 40XXX33381 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 1.2.2026 Client provided 3rd party CDA valuation supporting appraised value of $XXX with XXX% variance however value per appraisal is $XXX and appraisal value per the CDA is $XXX; however appears the appraised value info used on CDA is incorrect, currently says the appraised value from the appraisal is $XXX however the appraised value per appraisal in file is $XXX; condition remains for corrected CDA with correct appraisal value info. 1.8.2026 Client provided updated CDA using appraised value of $XXX and supporting value of $XXX with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require X months or $ XXX X XXX = $ XXX<br>|
| 40XXX33414 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Transfer Taxes increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/05/2026 Client provided COC XXX reflecting rate lock with an increase of Loan amount and Transfer fees increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX33420 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>|
| 40XXX33442 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in current profession for XXX years.<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have had timely mortgage payments, XXX months reviewed.<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have had no derogatory credit history, XXX months reviewed.<br>|
| 40XXX33462 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMANXXX78 | Missing Legal Documentation | No | Missing BuyDown Agreement in file | 01/06/2026 Client provided missing Buydown agreement e-signed by Borrower XXX with e-consent in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at departing residence > XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has> XXX years at current job<br>|
| 40XXX33462 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV XXX%. LTV exceeds by XXX% over XXX% max allowed per guidelines.\*XXX exception approved for LTV/CLTV >XXX%. | 1/2 Client provided an approved exception to allow the file at an XXX% LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at departing residence > XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has> XXX years at current job<br>|
| 40XXX334XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXX$XXX x XXX = $XXX$XXX x XXX = $XXX<br>|
| 40XXX33501 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX33501 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 1.2.2026 Client provided duplicate (in file) appraisal with value of $XXX and CU Score 1.0 and LCA Risk Score 3.5; file was reviewed LP AUS and LCA Risk Score 3.5 do not support value. Condition remains for 3rd party CDA valuation supporting value.1.9.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX33503 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXX33508 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require X months or $ XXX X XXX = $ XXX<br>|
| 40XXX33514 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETPost Close Assets are $ XXX or XXX PITIAGuidelines require X months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX33516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of confirmed amounts of REO PITIA and confirmation that 3rd party has paid all for most recent XXX months. | 1.7.2026 Client provided missing statement dated XXX - XXX verifying PI paid by other | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXXMonths<br>|
| 40XXX33516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXXMonths<br>|
| 40XXX33516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3XXX | Loan documents do not meet guideline requirements | No | Departing residence PI has been excluded due to third party paying the last XXX months. Provide proof of XXX paid by same third party to complete the XXX month requirement. May be subject to additional conditions upon review. | 1.7.2026 Client provided missing statement dated XXX - XXX verifying PI paid by other | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXXMonths<br>|
| 40XXX33XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX33XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX) X XXX = $ XXX)<br>|
| 40XXX33783 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 40XXX338XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed on XXX with end of rescission date XXX. Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower | 10/07/2026 Client provided Funding PCCD XXX with corrected Disbursement date and COC for LOE. Condition remains for Final Alta/Settlement Statement confirming Disbursement date. 10/12/2026 Client provided duplicates of CD XXX and COC. Condition remains. Ca. Property. Provide the Final Alta/Settlement Statement confirming the date of funding. 01/13/26 Client provided the stamped Final Refinance Statement reflecting Disbursement on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years with current employer, B2 has XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 40XXX33863 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide full PITI documentation of REO at XXX. Provide mortgage for property showing $XXXi includes escrows and provide HOA of $XXX/month. | 1/9 Client provided supporting PITI Docs | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX33863 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VOE's for B1 both jobs within 10 days prior to note date, and VOE for B2 within XXX days prior to note date | 1/9 Client provided VVOEs for B1 and B2 | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 40XXX33873 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX months verified assets is sufficient to cover required reserves $XXX.<br>|
| 40XXX33885 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Both borrowers have XXX years with current employers.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 40XXX33896 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX33XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX33XXX1 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | CU score is 3.0 provide a CDA supporting the appraised value | 12.23.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>|
| 40XXX33XXX6 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 40XXX33XXX7 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 40XXX33976 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 have been in the same line of work for XXX years<br>|
| 40XXX33987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced. $XXX effective, $XXX to close, $XXX reserves. Required: Subject: $XXX x XXX = XXX. + Rental Lease with XXX months remaining- $XXX x XXX = $XXX= XXX required reserves. Reserve requirement met.<br>|
| 40XXX33987 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINCXXX96 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | WVOE is incomplete, and paystubs and check bank deposits are outside time frame requirements. Provide VOE meeting below guidelines. May be subject to additional conditions upon review.Guides:'Verbal Verification of Employment (VVOE) must be performed no more than ten (10) business days prior to the Note date.? The Verbal VOE should include the following information for the borrower Date of contact Name and title of person contacting the employer Name of employer Start date of employment Employment status and job title Name, phone #, and title of contact person at employer Independent source used to obtain employer phone number? Fannie Mae Verification of Employment alternatives allowed for XXX borrowers' | 1.7.2026 Client provided Written VOE dated XXX(Note date XXX) within XXX business days | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced. $XXX effective, $XXX to close, $XXX reserves. Required: Subject: $XXX x XXX = XXX. + Rental Lease with XXX months remaining- $XXX x XXX = $XXX= XXX required reserves. Reserve requirement met.<br>|
| 40XXX339XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 40XXX33992 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at the same residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>|
| 40XXX34008 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increased from final LE XXX $XXX to initial CD XXX $XXX. No COC provided listing fee amount or any details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | 12/22/2025 Client provided COC XXX reflecting Invoice received Appraisal Fee increased. Condition remains. Provide the reason that caused the appraisal fee to increase or PCCD with cure, copy of cure check, LOE to Borrower and evidence to of delivery. 01/05/2026 Client provided PCCD XXX with Lender credit cure, LOE and shipping label in created status. Condition remains for a copy of the cure check and evidence of delivery via tracking.01/08/2026 Client provided a copy of the cure check and verified package delivered XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX34008 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Insurance | Satisfied<br> B<br> A | CRDINSRXXX00 | Missing Flood Certification Document | No | Missing Flood cert | 12.20.2025 Client provided Flood Certificate Document, flood zone AE Condo Master Policy in file | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX34008 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS | 12.21.2025 Client provided DU Submission #3 Casefile ID 1713843350 however #3 on DU need correction and resubmitted, provide updated corrected DU findings with removal of #3 1.2.2026 Client provided an LP however prior condition was for DU corrections, if flipping to LP will need (a). a prior to closing verification of LP approval, (b). lender XXX8 reflect as DU approved and (c). will need LCA Risk of < 2.5; currently considering CU Score 1.0 for value supported. 1.6.2026 Client provided Lender updated XXX8 showing as LP and provided LCA Risk could not be assessed and LP previously provided initial submission dated XXX submission #3 (prior to closing), this condition is being satisfied, separate condition is being added for 3rd party CDA valuation supporting value due to LCA Risk could not be assessed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX34008 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A<br> C | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | File switched from DU to LPDU have CU Score of < 2.5 however LP LCA Risk could not be assessed. Missing 3rd party CDA valuation | 1.9.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX34012 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX340XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is below guideline requirement XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: CLTV XXX%.<br>|
| 40XXX34035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX /XXX months for reserves is sufficient to cover required $XXX \*XXX = $XXX.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX exceeds program minimum of XXX.<br>|
| 40XXX34052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Appraisal fee increase from $XXX to $XXX on final CD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/05/2026 Client provided PCCD 1/05 with cure with Final Alta/Settlement Statement reflecting Total Lender Credit as $XXX as shown on PCCD and calculated at funding. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% is below guideline maximum of XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 40XXX34058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX34070 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>|
| 40XXX340XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | None of the required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower1 has XXX years XXX months at current employer.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower1 has XXX years XXX months in line of work.<br>|
| 40XXX34083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed on XXX with end of rescission date XXX. Final CD XXX with disbursement date of XXX. Disbursement date is before end of statutory rescission period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower | 10/07/2026 Client provided funding PCCD XXX with corrected Disbursement Date and COC for LOE. Condition remains for the Final Alta/Settlement Statement confirming Disbursement date. 01/12/2026 Client provided Final Alta/Settlement Statement reflecting the XXX Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>|
| 40XXX34092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 40XXX34120 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application date is XXX. Earliest LE in file is dated XXX. Missing initial LE provided to borrower within XXX days of application. If disclosure was emailed, a prior e-consent is also required. | 10/14/2026 Client provided missing Initial LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX34120 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A<br> B | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing XXX8 | 1.13.2026 Client provided lender approval notice however still missing copy of lender XXX8 (per initial condition) 1.14.2026 Client provided lender XXX8 | Condition satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX34128 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>|
| 40XXX34XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 40XXX34133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower have been at current residence for XXX years<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower have been in the same line of work for XXX years<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>|
| 40XXX34XXX4 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 40XXX34164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has >XXX years at current job<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%<br>|
| 40XXX34167 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months 0x30 on current mortgage<br>|
| 40XXX34198 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements XXX%<br>|
| 40XXX34239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX + REO $XXX \*XXX = $XXX reserves required.<br>|
| 40XXX34288 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 40XXX34367 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Both ROR forms in file are signed by non-borrowing spouse. Borrower signed ROR is missing. | 01/09/2026 Client provided missing Rescission documents for Borrower executed at closing XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>|
| 40XXX343XXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>|
| 40XXX34966 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 40XXX35111 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>|
| 40XXX35192 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX35196 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 40XXX35425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>|
| 40XXX35426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds the XXX minimum guideline requirement by XXX points.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is XXX% below the maximum guideline requirement of XXX%.<br>|
| 40XXX35427 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing master condo insurance policy. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Borrower FICO score is XXX max per guidelines is XXX.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI XXX max per guidelines is XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX% max per guidelines is XXX%.<br>|
| 40XXX35428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing the XXX8. | 12/9 Client provided the loan approval | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>|
| 40XXX35429 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance $XXX due to Addition of a 2nd Appraisal fee on LE XXX then later reduced to $XXX and increase of Transfer Taxes on the Final CD XXX by $XXX. Provide valid reason COC's for these changes or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. | 12/11/2025 Client provided PCCD XXX with $XXX cure, Copy of cure check, LOE and in transit shipping label. Also provided COC XXX reflecting underwriting determined after increased loan amount that a 2nd appraisal was needed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>|
| 40XXX35429 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID5XXX1 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | Final CD dated XXX- Loan Disclosures- Escrow Account- You will have an escrow account is indicated however, the amount of the Escrowed Property Costs or Escrow Payment is $XXX. Provide Corrective PCCD reflecting Will not have an escrow account (per page 1), You declined it or Your lender does not offer indicated with Estimated property costs over XXX year amount completed and dollar amount complete. | 12/11/2025 Client provided PCCD XXX with correction. Condition remains for LOE to Borrower reflecting the change. 12/11/2025 Client provided LOE to Borrower for PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>|
| 40XXX35432 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX0: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX month mortgage payment history exceeds the XXX month minimum guideline requirement by XXX months.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds the XXX minimum guideline requirement by XXX points.<br>|
| 40XXX35434 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINCXXX88 | Verbal verification of employment missing | No | Unable to locate Verbal Verification of employment. | 11/XXX Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds the XXX minimum guideline requirement by XXX points.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is XXX% below the maximum guideline requirement of XXX%.<br>|
| 40XXX35613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX35613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINCXXX08 | Income verification does not meet guidelines | No | File is missing borrowers recent YTD paystub, or a completed Request for Verification of Employment (Form XXX5). Fannie Mae guidelines do not indicate a letter from the employer is acceptable in lieu of the required documentation. | 12.31.2025 Client provided LOX stating file having a Written VOE provided by Lender. Response, file do have a VVOE that supports monthly income only, however do not reflect any YTD XXX earnings which is what initial condition is pertaining to, if Lender have a Written VOE with YTD XXX earnings that would be acceptable however the VVOE in file only supports monthly income and per FNMA income must be compared with the documented year to date base earnings. Condition remains for YTD XXX paystub or fully Written VOE including YTD XXX base earnings. 1.5.2026 Client provided YTD XXX paystub supporting monthly base income used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX35613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER2548 | Missing AUS or AUS errors present | No | Subject loan was locked as XXX XXX AUS 30 YR. File is missing AUS findings with an Approve/Ineligible - or- Eligible due to loan amount, must be present in all closed loan files. | 12/31 Client provided DUAI #1 which does not support the XXX8 or approval; Provide a DUAI with correct income and DTI matching XXX8 and XXX3 and using with a 3 bureau full credit report to Clear Item #3 Eligibility 1.9.2026 Client provided updated DU Submission #2 with all corrections requested and reflecting transaction terms | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>|
| 40XXX36689 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM31XXX | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | 1.14.2026 Client provided Lender Mavent w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job 1 since XXXAt job 2 since XXX<br>CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 40XXX37005 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX<br>|
| 40XXX37168 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1XXX1: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1XXX4: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Sourced Reserves of $XXX or XXX months PITI; Required: $XXX or XXX months.<br>|

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2026-2** |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** |
| **Deal Loan Count:** | **396** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *396* |
| ***Loans with Conditions:*** | *276* |

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| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 409017960 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409019415 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409019467 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409019475 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409019540 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409019553 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409020719 | XXXXXX | XXXXXX<br> C<br> A<br> B | No |
| 409020753 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409020846 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409021028 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409021085 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409021126 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409021138 | XXXXXX | XXXXXX<br> A | No |
| 409021217 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409021270 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409021294 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409021699 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409021790 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409021822 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409021841 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409022113 | XXXXXX | XXXXXX<br> D<br> B<br> A | Yes |
| 409022145 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409022268 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409022298 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409022340 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409023649 | XXXXXX | XXXXXX<br> A | No |
| 409023687 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409023739 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409023768 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409023779 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| 409023871 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409023909 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409023950 | XXXXXX | XXXXXX<br> C<br> B<br> A | Yes |
| 409023993 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409024045 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409024082 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409024274 | XXXXXX | XXXXXX<br> A | No |
| 409024379 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409024408 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409024424 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409024451 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409024452 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409024473 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409024497 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 409024537 | XXXXXX | XXXXXX<br> A | No |
| 409024551 | XXXXXX | XXXXXX<br> A | No |
| 409024793 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409024856 | XXXXXX | XXXXXX<br> A | No |
| 409025132 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409025177 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409025178 | XXXXXX | XXXXXX<br> B<br> A | Yes |
| 409025419 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025435 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409025611 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409025646 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409025649 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409025655 | XXXXXX | XXXXXX<br> A | No |
| 409025682 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | No |
| 409025712 | XXXXXX | XXXXXX<br> A | No |
| 409025730 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | No |
| 409025734 | XXXXXX | XXXXXX<br> A | No |
| 409025759 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409025777 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025778 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025853 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | No |
| 409025927 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409025940 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025961 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409025981 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026006 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026008 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409026014 | XXXXXX | XXXXXX<br> D<br> B<br> A | Yes |
| 409026043 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409026051 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026071 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409026084 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026088 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409026092 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409026105 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026126 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409026139 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026153 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026161 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409026176 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026184 | XXXXXX | XXXXXX<br> A | No |
| 409026209 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026218 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409026226 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409026295 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026303 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| 409026311 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026355 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026370 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026384 | XXXXXX | XXXXXX<br> A | No |
| 409026430 | XXXXXX | XXXXXX<br> A | No |
| 409026438 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409026464 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409026469 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026539 | XXXXXX | XXXXXX<br> A | No |
| 409026564 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409026594 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409026625 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409026627 | XXXXXX | XXXXXX<br> A | No |
| 409026635 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026638 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409026661 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409026675 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409026905 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409026920 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409026981 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026987 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409026989 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409026990 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409027003 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409027012 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409027021 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409027033 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409027035 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | Not Applicable |
| 409027054 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409027081 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409027082 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409027084 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409027446 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409028857 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409028860 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409028861 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409028993 | XXXXXX | XXXXXX<br> A | No |
| 409029025 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409029028 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409029086 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409029116 | XXXXXX | XXXXXX<br> A | No |
| 409029119 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 409029137 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409029139 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029143 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029144 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409029146 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029152 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409029158 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409029164 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409029170 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029179 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409029197 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029200 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409029217 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409029249 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409029260 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409029265 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409029293 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409029300 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409029305 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409029313 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409030254 | XXXXXX | XXXXXX<br> A | No |
| 409030445 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 409030451 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409030452 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030463 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030482 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030489 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030500 | XXXXXX | XXXXXX<br> A | No |
| 409030518 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030521 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409030549 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030554 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030580 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409030598 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | No |
| 409030603 | XXXXXX | XXXXXX<br> A | No |
| 409030612 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030629 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409030634 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030657 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409030888 | XXXXXX | XXXXXX<br> A | No |
| 409030910 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409030981 | XXXXXX | XXXXXX<br> A | No |
| 409030986 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031025 | XXXXXX | XXXXXX<br> A | No |
| 409031039 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409031054 | XXXXXX | XXXXXX<br> A | No |
| 409031071 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 409031072 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031080 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031091 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409031102 | XXXXXX | XXXXXX<br> A | No |
| 409031108 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409031113 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409031141 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031144 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409031146 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031150 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409031172 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409031183 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031194 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031220 | XXXXXX | XXXXXX<br> A | No |
| 409031242 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409031247 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031248 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409031250 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031254 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031280 | XXXXXX | XXXXXX<br> D<br> B<br> A | No |
| 409031286 | XXXXXX | XXXXXX<br> B<br> A | Yes |
| 409031290 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031482 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409031511 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031517 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031536 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031537 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031554 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031557 | XXXXXX | XXXXXX<br> D<br> A<br> B | Not Applicable |
| 409031562 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031565 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031566 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031573 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031575 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031587 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031601 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031615 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031618 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409031625 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031634 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409031638 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409031651 | XXXXXX | XXXXXX<br> A | No |
| 409031654 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409031655 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409031665 | XXXXXX | XXXXXX<br> A | No |
| 409031670 | XXXXXX | XXXXXX<br> A | No |
| 409031678 | XXXXXX | XXXXXX<br> A | No |
| 409031684 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031686 | XXXXXX | XXXXXX<br> A | No |
| 409031688 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409031690 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031712 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031714 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031715 | XXXXXX | XXXXXX<br> A | No |
| 409031716 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409031722 | XXXXXX | XXXXXX<br> D<br> B<br> A | Yes |
| 409031805 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409031806 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409031807 | XXXXXX | XXXXXX<br> A | No |
| 409031809 | XXXXXX | XXXXXX<br> D<br> A<br> C | No |
| 409031811 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409032133 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409032135 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032176 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032226 | XXXXXX | XXXXXX<br> A | No |
| 409032227 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409032235 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032242 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032243 | XXXXXX | XXXXXX<br> A | No |
| 409032251 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409032252 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032254 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409032255 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409032259 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032267 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032277 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032278 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032281 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409032368 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032369 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032372 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032390 | XXXXXX | XXXXXX<br> D<br> B<br> A | Not Applicable |
| 409032393 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409032409 | XXXXXX | XXXXXX<br> A | No |
| 409032419 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | Not Applicable |
| 409032423 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409032427 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409032477 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032532 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032533 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032538 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032547 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032551 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032552 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409032553 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409032558 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409032559 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032591 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032596 | XXXXXX | XXXXXX<br> C<br> A | Yes |
| 409032597 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032601 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032602 | XXXXXX | XXXXXX<br> A | No |
| 409032603 | XXXXXX | XXXXXX<br> A | No |
| 409032606 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409032632 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032725 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409032728 | XXXXXX | XXXXXX<br> B<br> A | No |
| 409032729 | XXXXXX | XXXXXX<br> B<br> A | Yes |
| 409032741 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032756 | XXXXXX | XXXXXX<br> A | No |
| 409032771 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032778 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032781 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409032790 | XXXXXX | XXXXXX<br> A | No |
| 409032793 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409032794 | XXXXXX | XXXXXX<br> A | No |
| 409032798 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409032801 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032809 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | Not Applicable |
| 409032815 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409032823 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032843 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032921 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409032928 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032950 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032956 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032961 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409032964 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409032966 | XXXXXX | XXXXXX<br> A | No |
| 409032985 | XXXXXX | XXXXXX<br> D<br> A | Yes |
| 409033002 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409033003 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409033006 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409033185 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409033236 | XXXXXX | XXXXXX<br> C<br> B<br> A | No |
| 409033238 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409033253 | XXXXXX | XXXXXX<br> D<br> A | No |
| 409033266 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033270 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033272 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409033291 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033292 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033295 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033313 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033317 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033323 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409033342 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409033347 | XXXXXX | XXXXXX<br> B<br> A | Yes |
| 409033357 | XXXXXX | XXXXXX<br> A | No |
| 409033367 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033374 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033375 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033378 | XXXXXX | XXXXXX<br> A | No |
| 409033381 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409033414 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409033420 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033442 | XXXXXX | XXXXXX<br> A | No |
| 409033462 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | Not Applicable |
| 409033490 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033501 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409033503 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033508 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033514 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033516 | XXXXXX | XXXXXX<br> D<br> A<br> C | Not Applicable |
| 409033771 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033774 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033783 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033815 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409033863 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409033873 | XXXXXX | XXXXXX<br> A | No |
| 409033885 | XXXXXX | XXXXXX<br> A | No |
| 409033896 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033901 | XXXXXX | XXXXXX<br> A | No |
| 409033911 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409033916 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033917 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033976 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033987 | XXXXXX | XXXXXX<br> B<br> A | Not Applicable |
| 409033991 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409033992 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034008 | XXXXXX | XXXXXX<br> D<br> B<br> A<br> C | No |
| 409034012 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034024 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034035 | XXXXXX | XXXXXX<br> A | No |
| 409034052 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409034058 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034070 | XXXXXX | XXXXXX<br> A | No |
| 409034077 | XXXXXX | XXXXXX<br> A | No |
| 409034083 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409034092 | XXXXXX | XXXXXX<br> A | No |
| 409034120 | XXXXXX | XXXXXX<br> C<br> A<br> B | No |
| 409034128 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034131 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034133 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034154 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034164 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034167 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034198 | XXXXXX | XXXXXX<br> A | No |
| 409034239 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034288 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034367 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409034377 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409034966 | XXXXXX | XXXXXX<br> A | No |
| 409035111 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409035192 | XXXXXX | XXXXXX<br> A | No |
| 409035196 | XXXXXX | XXXXXX<br> A | No |
| 409035425 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409035426 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409035427 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409035428 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409035429 | XXXXXX | XXXXXX<br> C<br> B<br> A | Not Applicable |
| 409035432 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409035434 | XXXXXX | XXXXXX<br> C<br> A | Not Applicable |
| 409035613 | XXXXXX | XXXXXX<br> D<br> A | Not Applicable |
| 409036689 | XXXXXX | XXXXXX<br> C<br> A | No |
| 409037005 | XXXXXX | XXXXXX<br> A | Not Applicable |
| 409037168 | XXXXXX | XXXXXX<br> A | Not Applicable |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-2** |  |  |  |
| **Start - End Dates:** | **8/1/2025 - 1/16/2026** |  |  |  |
| **Deal Loan Count:** | **396** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 2 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 1 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 3 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by xxx% or more | 3 |
| Credit | Title | CRDTIL875 | Title Does Not Agree With Mortgage | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2157 | Missing Signed xxx in file | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 3 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 3 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 2 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Re-Verifications | CRDRVRFC1821 | Undisclosed non-arm's length transaction revealed through independent re-verification | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 8 |
| Credit | Insurance | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | 1 |
| Credit | Assets | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 1 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Property Valuations | Property | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 2 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - xxx Form Used in Refinance With Original Creditor | 13 |
| Compliance | Right of Rescission | CMPROR4419 | xxx used in refinance with the same creditor; State is in a Circuit where Court has found this acceptable (exception/grading required by client) | 1 |
| Compliance | State Consumer Protection | CMPSTCP2133 | MD Notice of Counseling provided more than xxx bus. days after app. | 1 |
| Compliance | Documentation | CMPDOC869 | Mortgage not signed | 1 |
| Compliance | RESPA | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in xxx days of application | 2 |
| **Total** |  |  |  | **59** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

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#### EXECUTIVE SUMMARY

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

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

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 40 mortgage loans totaling an aggregate original principal balance of approximately $55.002 million.

(3) Determination of the sample size and computation.

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

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

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

---

| | | |
|:---|:---|:---|
| # of Units | Coborrower FTHB | Original LTV |
| Amortization Term | Coborrower Last Name | Origination Channel |
| Amortization Type | Coborrower Qualifying FICO | Property Type |
| Appraised Value | Contract Sales Price | Purpose |
| Borrower First Name | Investor: Qualifying Total Debt Ratio | Refi Purpose |
| Borrower FTHB | Lien Position | Representative FICO |
| Borrower Last Name | Occupancy | State |
| Borrower Qualifying FICO | Original CLTV | Street |
| City | Original Interest Rate | Zip |
| Coborrower First Name | Original Loan Amount |  |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

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

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

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

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

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

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

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

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effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

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<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

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<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

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

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

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Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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

#### OVERALL RESULTS SUMMARY
After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher.

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|:---|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 38 | 38 | 32 | 40 | 31 |
| B | 2 | 2 | 8 | 0 | 9 |
| C | 0 | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **40** | **40** | **40** | **40** | **40** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 95.00% | 80.00% | 100.00% | 77.50% |
| B | B | 5.00% | 20.00% | 0.00% | 22.50% |
| C | C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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

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| **Exception Type** | **Final Exception Grade** | **Exception Category** | **Total** |
| Compliance | B | TRID Defect | 6 |
| Compliance | B | ATR/QM Defect | 1 |
| Compliance | B | Misc. State Level | 1 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***9*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **9** |

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| Credit | B | Guideline | 1 |
| Credit | B | Loan Package Documentation | 1 |
| Credit | B | Title | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***3*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **3** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **12** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 40 mortgage loans reviewed, there were 19 different tape discrepancies across 4 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

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| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 1 | 0.00% | 40 |
| Amortization Term | 0 | 39 | 0.00% | 40 |
| Amortization Type | 0 | 39 | 0.00% | 40 |
| Appraised Value | 0 | 1 | 0.00% | 40 |
| Borrower First Name | 0 | 1 | 0.00% | 40 |
| Borrower FTHB | 0 | 1 | 0.00% | 40 |
| Borrower Last Name | 0 | 1 | 0.00% | 40 |
| Borrower Qualifying FICO | 0 | 39 | 0.00% | 40 |
| City | 0 | 1 | 0.00% | 40 |
| Coborrower First Name | 0 | 1 | 0.00% | 40 |
| Coborrower FTHB | 1 | 1 | 100.00% | 40 |
| Coborrower Last Name | 0 | 1 | 0.00% | 40 |
| Coborrower Qualifying FICO | 0 | 24 | 0.00% | 40 |
| Contract Sales Price | 0 | 1 | 0.00% | 40 |
| Investor: Qualifying Total Debt Ratio | 16 | 40 | 40.00% | 40 |
| Lien Position | 0 | 1 | 0.00% | 40 |
| Occupancy | 0 | 40 | 0.00% | 40 |
| Original CLTV | 0 | 40 | 0.00% | 40 |
| Original Interest Rate | 0 | 1 | 0.00% | 40 |
| Original Loan Amount | 0 | 1 | 0.00% | 40 |
| Original LTV | 0 | 40 | 0.00% | 40 |
| Origination Channel | 1 | 1 | 100.00% | 40 |
| Property Type | 0 | 40 | 0.00% | 40 |
| Purpose | 0 | 40 | 0.00% | 40 |
| Refi Purpose | 0 | 7 | 0.00% | 40 |
| Representative FICO | 1 | 1 | 100.00% | 40 |
| State | 0 | 1 | 0.00% | 40 |
| **Total** | **19** | **445** | **4.27%** | **40** |

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

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|:---|:---|:---|:---|:---|
| Amortization Type | Loan Count | % of Loans | Original Balance | % of Balance |
| Fixed | 40 | 100.00% | $55001978.00 | 100.00% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 40 | 100.00% | $55001978.00 | 100.00% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 3 | 7.50% | $4635500.00 | 8.43% |
| First Time Home Purchase | 2 | 5.00% | $2068000.00 | 3.76% |
| Other-than-first-time Home Purchase | 31 | 77.50% | $41996230.00 | 76.35% |
| Rate/Term Refinance - Borrower Initiated | 4 | 10.00% | $6302248.00 | 11.46% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 40 | 100.00% | $55001978.00 | 100.00% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 27 | 67.50% | $35858528.00 | 65.19% |
| Condo, Low Rise | 2 | 5.00% | $2423750.00 | 4.41% |
| Condo, High Rise | 1 | 2.50% | $2000000.00 | 3.64% |
| PUD | 8 | 20.00% | $11435700.00 | 20.79% |
| 1 Family Attached | 2 | 5.00% | $3284000.00 | 5.97% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 37 | 92.50% | $51394628.00 | 93.44% |
| Second Home | 3 | 7.50% | $3607350.00 | 6.56% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Broker | 14 | 35.00% | $18803700.00 | 34.19% |
| Retail | 23 | 57.50% | $31646278.00 | 57.54% |
| Correspondent Flow without Delegated UW | 3 | 7.50% | $4552000.00 | 8.28% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |

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| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 40 | 100.00% | $55001978.00 | 100.00% |
| **Total** | **40** | **100.00%** | **$55001978.00** | **100.00%** |

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## Exhibit 99.9

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#### Rating Agency Grades

#### Run Date - 1/26/2026 12:46:35 PM

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 3564392975 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3564311159 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3565682164 | XXXX |  |  | C | C | A | C | B | B | A | B |  |
| XXXX | 3566494793 | XXXX |  |  | B | C | A | C | B | A | A | B |  |
| XXXX | 3565006939 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3566199258 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3567200078 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3566263073 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559948861 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3564037618 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 3567005758 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3565384510 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3566210278 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3566459374 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3565811377 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3567200358 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559274559 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 3567689114 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3564818627 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3566102649 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3539550008 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3565255429 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3567232558 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3565426314 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3568377755 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3568620223 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3567206047 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 3570565530 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3569616948 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3569024485 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3569512039 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 3570603737 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559909033 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3569223232 | XXXX |  |  | A | A | D | D | A | A | A | A |  |
| XXXX | 3569586210 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3569700026 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3570038647 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3570894438 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3571186285 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 20257556 | XXXX |  |  | C | A | A | C | A | A | A | A |  |

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![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 1/26/2026 12:46:35 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 3565682164 | XXXX |  | 34414550 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [redacted]% and based on [redacted] of [redacted]% moderately exceed the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Due to multiple bonus income streams from the borrower's employer and the spot bonus not yet being received in [redacted], diligence has considered the [redacted] bonus/[redacted] or $[redacted]. month. Total bonus earnings are declining from [redacted] to [redacted] so [redacted] was disregarded. Please provide support for the higher bonus earnings considered. Base and RSU align with the lender. | Borrower has been employed in the same industry for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least $[redacted]. | Borrower has been with their employer for [redacted] years.<br>FICO of [redacted] exceeds the guideline minimum by at least [redacted] points.<br>Borrower has residual income of $[redacted]/month. | Originator,Aggregator,SitusAMC<br>Originator,Aggregator,SitusAMC<br>Originator,Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-28): Based on the income narrative provided, the [redacted] income for the borrower was considered as paid monthly. The portion of the [redacted] seen for $[redacted] in [redacted] and $[redacted] in [redacted] is not paid monthly based on the paystubs provided. If the [redacted] payout frequency being more than annual was confirmed by the employer or by additional documentation not provided to diligence, please provide this for review. The amounts of the aforementioned [redacted] payments appear to be annual as [redacted]/[redacted]is stable/increasing. Diligence did consider the [redacted] to account for the spot [redacted] not yet seen in [redacted], which was the least conservative calc between that and YTD, assuming YTD is an annual [redacted]. Please provide additional support for [redacted] payment frequency being monthly as stated in the narrative. Exception remains.<br>Buyer Comment (2025-08-27): Please see the document attached detailing our full income calc, supporting what was used to qualify. [redacted] was not factored into calculation<br>|  |  | 09/03/2025 | 2<br> C<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565682164 | XXXX |  | 34414547 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___<br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2025-08-20): Client elects to waive with compensating factors.<br>|  |  | 08/20/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565682164 | XXXX |  | 34414553 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-09-03): Client has elected to waive the DTI failures with compensative factors. QM risk exception cleared.<br>Reviewer Comment (2025-08-28): Based on the income narrative provided, the [redacted] income for the borrower was considered as paid monthly. The portion of the [redacted] seen for $[redacted] in [redacted] and $[redacted] in [redacted] is not paid monthly based on the paystubs provided. If the [redacted] payout frequency being more than annual was confirmed by the employer or by additional documentation not provided to diligence, please provide this for review. The amounts of the aforementioned [redacted] payments appear to be annual as [redacted]/[redacted] is stable/increasing. Diligence did consider the [redacted] to account for the spot [redacted] not yet seen in [redacted], which was the least conservative calc between that and YTD, assuming YTD is an annual [redacted]. Please provide additional support for [redacted] payment frequency being monthly as stated in the narrative. Exception remains.<br>Buyer Comment (2025-08-27): Please clear this based upon our response to the other exception<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565682164 | XXXX |  | 34414552 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Due to multiple bonus income streams from the borrower's employer and the spot bonus not yet being received in [redacted], diligence has considered the [redacted] bonus/[redacted] or $[redacted]. month. Total bonus earnings are declining from [redacted] to [redacted] so [redacted] was disregarded. Please provide support for the higher bonus earnings considered. Base and RSU align with the lender. | Borrower has been employed in the same industry for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has verified disposable income of at least $[redacted]. | Borrower has been with their employer for [redacted] years.<br>FICO of [redacted] exceeds the guideline minimum by at least [redacted] points.<br>Borrower has residual income of $[redacted]/month. | Originator,Aggregator,SitusAMC<br>Originator,Aggregator,SitusAMC<br>Originator,Aggregator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-28): Based on the income narrative provided, the [redacted] income for the borrower was considered as paid monthly. The portion of the [redacted] seen for $[redacted] in [redacted] and $[redacted] in [redacted] is not paid monthly based on the paystubs provided. If the [redacted] payout frequency being more than annual was confirmed by the employer or by additional documentation not provided to diligence, please provide this for review. The amounts of the aforementioned [redacted] payments appear to be annual as [redacted]/[redacted] is stable/increasing. Diligence did consider the [redacted] to account for the spot [redacted] not yet seen in [redacted], which was the least conservative calc between that and YTD, assuming YTD is an annual [redacted]. Please provide additional support for [redacted] payment frequency being monthly as stated in the narrative. Exception remains.<br>Buyer Comment (2025-08-27): Please clear this based upon our response to the other exception<br>|  |  | 09/03/2025 | 2<br> C<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565682164 | XXXX |  | 34414551 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-09-03): Client has elected to waive the DTI failures with compensative factors. Loan designation still meets SHQM (APOR), exception cleared.<br>Reviewer Comment (2025-08-28): Based on the income narrative provided, the [redacted] income for the borrower was considered as paid monthly. The portion of the [redacted] seen for $[redacted] in [redacted] and $[redacted] in [redacted] is not paid monthly based on the paystubs provided. If the [redacted] payout frequency being more than annual was confirmed by the employer or by additional documentation not provided to diligence, please provide this for review. The amounts of the aforementioned [redacted] payments appear to be annual as [redacted] /[redacted] is stable/increasing. Diligence did consider the [redacted] to account for the spot [redacted] not yet seen in [redacted] , which was the least conservative calc between that and YTD, assuming YTD is an annual [redacted]. Please provide additional support for [redacted] payment frequency being monthly as stated in the narrative. Exception remains.<br>Buyer Comment (2025-08-27): Please clear this based upon our response to the other exception<br>| 09/03/2025 |  |  | 1<br> B<br> A<br> C |  | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3566494793 | XXXX |  | 34414690 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-08-21): Seller acknowledges exception, no change to grading.<br>|  |  | 08/21/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3566494793 | XXXX |  | 34414692 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-08-22): [redacted] received earliest receipt of LE.<br>Buyer Comment (2025-08-21): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 08/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3564037618 | XXXX |  | 34534838 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] - No evidence of required counseling disclosure language per [redacted]. |  |  |  |  | Buyer Comment (2025-08-28): seller accepts; no change to grading.<br>|  |  | 08/28/2025 | 2<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3564037618 | XXXX |  | 34534839 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed HUD/CD for the sale of REO property to verify the total net equity received and that all liens are paid and closed. provide for review. |  |  |  | Reviewer Comment (2025-08-28): Received HUD for the sale of REO property "[redacted]" to verify the total net equity. Exception cleared.<br>Buyer Comment (2025-08-28): Please see the attachment.<br>| 08/28/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3564037618 | XXXX |  | 34534841 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  | Reviewer Comment (2025-08-29): License did not become inactive until [redacted] which is after closing on [redacted]. Exception cleared.<br>Buyer Comment (2025-08-28): Please see the attached proof. The banker was licensed to conduct business up to [redacted] which is the closing date, and far after any origination activities had been completed.<br>| 08/29/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3567005758 | XXXX |  | 34534864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received rebuttal stating pest inspection was buyer requirement.<br>Buyer Comment (2025-08-26): Please see page [redacted]. The purchase agreement states insect inspection is at the buyers expense. This was not a requirement of the loan and is not subject to tolerance.<br>| 08/27/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3566210278 | XXXX |  | 34534929 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as $[redacted] on the Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. Lender paid costs on the final CD were $[redacted]. A COC was not provided for the addition of the Appraisal Review Fee on [redacted]. Therefore, this portion is being applied as a tolerance cure. Please provide evidence of a valid COC or provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-03): Upon further review, appraisal review fee added with subsequent lender credit on LE and final CD<br>Buyer Comment (2025-09-02): The Itemization of credits on page [redacted] confirm lender credits/r ate credits of $[redacted].<br>| 09/03/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3565811377 | XXXX |  | 34534954 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-05): [redacted] reived additional timing confirming final [redacted] sequence [redacted] LE received within timing requirements<br>Reviewer Comment (2025-09-04): [redacted] received proof of receipt. However, there are [redacted] [redacted] LEs in the loan file. One barcode ends in [redacted] and document ID [redacted] rate lock indicates "No". The other [redacted] LE has a barcode ending in [redacted] and document ID [redacted] rate lock indicates "Yes". Provided proof of receipt is unclear and does not differentiate which package was received when. Please document which LE was received at [redacted].<br>Buyer Comment (2025-09-03): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565811377 | XXXX |  | 34534955 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-05): [redacted] reived additional timing confirming final [redacted] sequence [redacted] LE received within timing requirements<br>Reviewer Comment (2025-09-04): [redacted] received proof of receipt. However, there are [redacted] [redacted] LEs in the loan file. One barcode ends in [redacted] and document ID [redacted] rate lock indicates "No". The other [redacted] LE has a barcode ending in [redacted] and document ID [redacted] rate lock indicates "Yes". Provided proof of receipt is unclear and does not differentiate which package was received when. Please document which LE was received at [redacted].<br>Buyer Comment (2025-09-03): Please see uploaded document for evidence the Final LE was acknowledged by the borrower. Per the evidentiary document, the final LE was published [redacted]. This matches the time stamp on the uploaded document. The second LE was published earlier. We are unable to provide acknowledgement confirmation. However, we have had previous confirmation that the non-final LE exception will be graded Ev2-B. Please re-grade the non-final LE exception.<br>| 09/05/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565811377 | XXXX |  | 34534958 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-02): Seller acknowledges exception, no change to grading.<br>|  |  | 09/02/2025 | 2<br> B |  | XXXX | Primary | Purchase | Good Faith Redisclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3565811377 | XXXX |  | 34534959 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | [redacted] reived additional timing confirming final [redacted] sequence [redacted] LE received within timing requirements. [redacted] LE sequence [redacted] did not reflect earlier receipt, but was sequence [redacted] was received within timing requirements. Exception regraded to EV2-B. |  |  |  | Buyer Comment (2025-09-05): Seller acknowledges exception, no change to grading.<br>|  |  | 09/05/2025 | 2<br> B |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3559274559 | XXXX |  | 34613486 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third-party verification for the co-borrower's [redacted] was not timestamped. Please provide evidence of when the verification was obtained by the lender for review. |  |  |  | Reviewer Comment (2025-09-12): Third Party Verification was timestamped to confirm receipt within [redacted] days of note date. Exception cleared.<br>Buyer Comment (2025-09-10): Please see the attached confirmation the self-employment verification was completed within the required timeframe prior to closing.<br>| 09/12/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3559274559 | XXXX |  | 34613485 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-17): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-16): Please be see attached package mailed to the borrower curing the issue. Also final CD borrower only paid $[redacted] in recording fees.<br>Reviewer Comment (2025-09-12): [redacted]: Recording fee increase of $[redacted] from $[redacted] on CD dated [redacted] and provided COC does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-11): Please be advised that the recording fees did not increase, they were itemized on the closing disclosure and bifurcated on the loan estimate in the transfer taxes.<br>|  | 09/17/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3566102649 | XXXX |  | 34613653 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-24): Please see the attached PCCD with cure.<br>Reviewer Comment (2025-09-17): [redacted] received rebuttal and COC, however on CD dated [redacted] fee is lender paid and on CD dated on [redacted] fee changed to borrower paid. Please provide additional information why the fee changed from lender paid to borrower paid or cure would be required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-16): Please see attached CIC for the increase to the appraisal review fee. The CU score was over [redacted]. See the SSR report provided. Also attached is the screenshot from our LOS for the CDA being ordered. This was within [redacted] days of discovering a CDA was needed as the SSR report was received [redacted] and the fee was disclosed on [redacted]. Please review to clear this condition.<br>|  | 09/25/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3565255429 | XXXX |  | 34714528 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee violation due to an increase in the recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-18): [redacted] received LOE suffice.<br>Buyer Comment (2025-09-17): Please provide clarification as there is no Closing Disclosure dated [redacted] or [redacted] as your push back notes. The final LE was disclosed on [redacted] and Loan Estimates do not break out fees to show whether they were borrower or lender paid, it simply shows the total credit on page [redacted]. The initial Closing Disclosure was disclosed on [redacted] and shows transfer taxes were borrower paid, the column and amount did not change thru the final CD<br>Reviewer Comment (2025-09-17): [redacted] received LOX for rebuttal response with bifurcation of Transfer taxes disclosed on LE. However, recording fee increase of $[redacted] from $[redacted] on LE dated [redacted] and provided corresponding COC does not give sufficient information on why the fee was increased. Provide valid COC for the fee was increased or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2025-09-16): Please see the attached attestation for [redacted]% tolerance.<br>| 09/18/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565255429 | XXXX |  | 34714529 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-16): seller accepts; no change to grading.<br>|  |  | 09/16/2025 | 2<br> B |  | XXXX | Primary | Purchase | Good Faith Redisclosure<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3565426314 | XXXX |  | 34714573 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The [redacted] and [redacted] W2 provided in the file was blank. Please provide all supporting W2's or equivalent documentation for the borrower for review. |  |  |  | Reviewer Comment (2025-09-17): Received [redacted] and [redacted] W-2 for borrower. Cleared exception.<br>Buyer Comment (2025-09-17): Please see attached W2's.<br>| 09/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3568377755 | XXXX |  | 34714645 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the [redacted] and [redacted] tax returns, all schedules, for the borrower's business. Please provide for review. |  |  |  | Reviewer Comment (2025-09-22): Received clients guidelines, verifying business tax returns are not required on this loan. Exception cleared.<br>Buyer Comment (2025-09-19): Business returns are not required per guidelines. All of the requirements are met. The borrower has owned this business more than [redacted] years, the income is increasing from [redacted] to [redacted] and the funds were their own. Please review to clear this condition. Guidelines attached.<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3568620223 | XXXX |  | 34783372 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-10-06): [redacted] received Disclosure summary showing receipt of LE dated [redacted].<br>Buyer Comment (2025-10-03): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3567206047 | XXXX |  | 34783398 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Reserves were insufficient due to missing account statement from [redacted] to support the funds of $[redacted] used to qualify. Please provide most recent bank statement covering two months for review. |  |  |  | Reviewer Comment (2025-10-07): Account statement received for '[redacted]" to support the funds of $[redacted]. Exception cleared.<br>Buyer Comment (2025-10-06): Please seee attached, [redacted] months bank statements for the [redacted] savings account, as requested.<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3567206047 | XXXX |  | 34783402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the Title - Settlement, Title - Express/Courier, and Title - P&S Review fees. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-10-08): Please see attached, PCCD with the fees moved.<br>Reviewer Comment (2025-10-07): [redacted] received rebuttal that title fees are borrower chosen which is correct. But, if the fees are borrower chosen the fees should have been disclosed under section [redacted] Services Borrower Did Shop For. However, the fees are disclosed under section [redacted]. A corrected PCCD moving borrower shopped fee from section [redacted] to [redacted] along with the LOE is required to re-evaluate the exception.<br>Buyer Comment (2025-10-06): This is a borrower choosen title company. The fees are not subject to tolerance.<br>| 10/09/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3567206047 | XXXX |  | 34783397 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The file was missing the Final Closing Statement for the refinance of REO at [redacted] to verify the total cash out received and terms of the loan. Please provide for review. |  |  |  | Reviewer Comment (2025-10-07): Closing statement received for the Net Equity Considered, exception has been cleared.<br>Buyer Comment (2025-10-06): Please see attached, final CD for [redacted] as requested.<br>| 10/07/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3569512039 | XXXX |  | 34993366 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-22): Seller acknowledges exception, no change in grading<br>|  |  | 10/22/2025 | 2<br> B |  | XXXX | Second Home | Purchase | Good Faith Redisclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3559909033 | XXXX |  | 35011243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The co-borrower's [redacted] W2 in the file was blank. Please provide the most recent year W2 or equivalent documentation for review. |  |  |  | Reviewer Comment (2025-11-10): [redacted] W-2 for the co-borrower has been provided and supports income used. Exception cleared.<br>Buyer Comment (2025-11-06): Please see the attached legible [redacted] W2.<br>| 11/10/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3569223232 | XXXX |  | 35011311 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-10): Secondary appraisal received. Exception cleared.<br>Buyer Comment (2025-11-07): Please see attachd secondary valuation in the form of a second appraisal. The lower of the [redacted] values was used.<br>| 11/10/2025 |  |  | 1<br> D<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | D<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 3569700026 | XXXX |  | 35011352 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2025-11-17): LOE, proof of delivery, and H-9 RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2025-11-13): please see attached<br>|  | 11/17/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 3570038647 | XXXX |  | 35011370 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the title insurance and title search fees in Section [redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-11): [redacted] received corrected PCCD and LOE moving the borrower shopped fees from section [redacted] to [redacted].<br>Buyer Comment (2025-11-07): please see attached<br>| 11/11/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | 20257556 | XXXX |  | 35620465 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  |  |  | Reviewer Comment (2025-10-06): Disbursement date updated and cleared.<br>Buyer Comment (2025-10-06): Exception File Upload<br>| 10/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 20257556 | XXXX |  | 35620466 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. |  |  |  | Reviewer Comment (2025-10-06): Provided and cleared.<br>Buyer Comment (2025-10-06): Exception File Upload<br>| 10/06/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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![](logo_situs.jpg)

#### Valuation Report

#### Run Date - 1/26/2026 12:46:35 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | 3564392975 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3564311159 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3565682164 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3566494793 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 3565006939 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3566199258 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3567200078 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 3566263073 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 3559948861 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 3564037618 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | 3567005758 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 3565384510 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3566210278 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | 3566459374 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3565811377 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | 3567200358 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 3559274559 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3567689114 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| XXXX | 3564818627 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | 3566102649 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | 3539550008 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | 3565255429 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 3567232558 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| XXXX | 3565426314 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3568377755 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 3568620223 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 3567206047 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3570565530 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3569616948 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3569024485 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3569512039 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3570603737 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | 3559909033 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 3569223232 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.090% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXXX | 3569586210 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 3569700026 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 3570038647 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 3570894438 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 3571186285 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | 20257556 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |

---

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#### Supplemental Data

#### Run Date - 1/26/2026 12:46:35 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| xxxx | 3564392975 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $4893.55 |  | 6.774% | $8457.72 | $8457.72 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx | Retail |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3564311159 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $21575.00 |  | 6.852% | $12971.97 | $12971.97 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3565682164 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $807.47 |  | 6.376% | $7611.22 | $7611.22 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx |  |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 0 | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3566494793 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $19035.81 |  | 6.575% | $9683.29 | $9683.29 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.9 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 0 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3565006939 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $21801.29 |  | 6.359% | $8349.13 | $8349.13 | xxxx | No | No | xxxx |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3566199258 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $16516.45 |  | 6.953% | $8198.48 | $8198.48 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 0 | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  | 2 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| xxxx | 3567200078 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $195.00 |  | 6.460% | $12226.73 | $12226.73 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Other - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.8 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3566263073 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $23186.24 |  | 7.103% | $9623.86 | $9623.86 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.2 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 2 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 3559948861 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $16366.41 |  | 6.234% | $6659.42 | $6659.42 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 5.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 3564037618 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $2694.81 |  | 6.501% | $6472.38 | $6472.38 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.4 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 |  | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3567005758 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $5046.96 |  | 7.125% | $10105.78 | $10105.78 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.7 | DU |  | ApproveIneligible | N/A | No | xxxx | 3 | 1 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| xxxx | 3565384510 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $9147.93 |  | 6.413% | $8195.16 | $8195.16 | xxxx | No | No | xxxx | xxxx |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 0 | 0 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3566210278 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $4184.80 |  | 6.747% | $7945.33 | $7945.33 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.7 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3566459374 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $14739.89 |  | 6.958% | $8928.98 | $8928.98 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3565811377 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $225.00 |  | 6.844% | $6832.06 | $6832.06 | xxxx | No | No | xxxx | xxxx | xxxx |  | xxxx |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Housing Allowance]; Cancelled Checks - 2025<br> [Borrower - \| Primary Income - Housing Allowance]; Other - 2025<br> [Borrower - \| Primary Income - Housing Allowance]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.1 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 1 | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No | 26 | 18 | 30 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3567200358 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $23096.46 |  | 6.124% | $8983.62 | $8983.62 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 5.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| xxxx | 3559274559 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $9339.78 |  | 6.926% | $8671.47 | $8671.47 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 1 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3567689114 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $9631.82 |  | 7.200% | $6896.19 | $6896.19 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.1 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 0 | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3564818627 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | ($687.72) |  | 6.990% | $5885.31 | $5885.31 | xxxx | No | No | xxxx |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxx |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 3.1 | DU |  | ApproveEligible | N/A | No | xxxx | 1 |  | 1 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3566102649 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $14846.21 |  | 6.535% | $12641.37 | $12641.37 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 3.8 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 3 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3539550008 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $4221.27 |  | 6.416% | $7326.73 | $7326.73 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 3.3 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 3565255429 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $12075.42 |  | 6.632% | $12806.22 | $12806.22 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.7 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 3567232558 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $9477.39 |  | 6.419% | $6413.39 | $6413.39 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.4 | DU |  | ApproveEligible | No | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3565426314 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $21309.86 |  | 6.092% | $8863.84 | $8863.84 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 0 | 0 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3568377755 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $7811.41 |  | 6.143% | $8744.74 | $8744.74 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.2 | DU |  | ApproveIneligible | N/A | No | xxxx | 3 |  | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3568620223 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $1744.29 |  | 6.750% | $6797.31 | $6797.31 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx |  |  | xxxx | xxxx | 1.3 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx | Retail | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3567206047 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $9515.59 |  | 6.204% | $6197.63 | $6197.63 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 2 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3570565530 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $14879.65 |  | 6.501% | $6662.94 | $6662.94 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3569616948 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $5522.85 |  | 6.251% | $7608.72 | $7608.72 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 1 | 2 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3569024485 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $2766.85 |  | 6.395% | $7486.44 | $7486.44 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3569512039 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $4288.33 |  | 6.017% | $8287.39 | $8287.39 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3570603737 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $19417.72 |  | 6.314% | $11304.57 | $11304.57 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.2 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3559909033 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $10328.03 |  | 6.050% | $8025.37 | $8025.37 | xxxx | No | No | xxxx | xxxx |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 2 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3569223232 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $23068.90 |  | 6.601% | $11061.20 | $11061.20 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.9 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 1 | 2 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3569586210 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $9589.63 |  | 6.188% | $6659.42 | $6659.42 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.3 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 3569700026 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $17371.94 |  | 6.057% | $12011.10 | $12011.10 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.3 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 3 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3570038647 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $0.00 |  | 6.111% | $7291.33 | $7291.33 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 5.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 3570894438 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $7171.25 |  | 6.293% | $7019.18 | $7019.18 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.3 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 3571186285 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $73737.46 |  | 6.166% | $13013.83 | $13013.83 | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.8 |  |  |  | N/A | No | xxxx | 0 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | Retail | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 20257556 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | $8264.79 |  | 6.317% | $6330.07 | $6330.07 | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.4 |  |  |  | No | No | xxxx | 2 | 2 | 0 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

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![](logo_situs.jpg)

#### ASF

#### Run Date - 1/26/2026 12:46:36 PM

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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T/C Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 38 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | CA |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 176 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 2 | 2 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | MA |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 241 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | NY |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 161 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | NY |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 407 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | TX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 329 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | MD |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 124 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 3 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | NJ |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 146 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | MD |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 163 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | MA |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 42 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 2 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | MD |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 67 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | NY |  | 4 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 68 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 3 | 3 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | CT |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 163 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | ME |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 100 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | TX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 3 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 24 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | NY |  | 3 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 307 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | NJ |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 7 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | MA |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 424 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | NH |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 276 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | NY |  | 12 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 116 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 2 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | CT |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 129 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | PA |  | 12 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 262 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 3 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | MA |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 107 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | VA |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

![](logo_ca.jpg)

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

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans purchased by Redwood Residential Acquisition Corporation. The review included a total of 171 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2026-2 (the "Securitization"). The Review was conducted from May 2025 through January 2026 on mortgage loans originated between May 2025 and December 2025.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

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

<br> i. Income / Assets

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

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

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

<br> ii. Employment Status

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

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

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

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

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

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

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

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

<br> viii. Credit History

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

<br> • Determine representative credit score from credit report

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

<br> c. Review borrower's occupancy

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

------

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

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

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

<br> h. Confirm Loan Approval conditions were met

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

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

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

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

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

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

------

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

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

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

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

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

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

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

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

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

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

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

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

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

<br> iv. HOEPA Points and Fees

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

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

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

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (171 loans in total):

One (1) loan had a Secondary Appraisal, zero (0) loans had an AVM, and sixty-seven (67) loans had a Desktop Review.

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

------

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

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the one hundred seventy-one (171) mortgage loans reviewed, sixteen (16) unique mortgage loans (9.36% by loan count) had a total of eighteen (18) discrepancies across five (5) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Loan Purpose | 14 | 77.78% |
| Subject Property Type | 1 | 5.56% |
| Property Type | 1 | 5.56% |
| Escrow Flag | 1 | 5.56% |
| Cash out Include Debt Paid at Close | 1 | 5.56% |
| **Grand Total** | **18** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |  |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 151 | $207388267.26 | 88.30% |
| Event Grade B | 20 | $28463698.00 | 11.70% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 171 | $235851965.26 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 169 | 98.83% |
| Event Grade B | 2 | 1.17% |
| Event Grade C | 0 | 0% |

---

------

---

| | | |
|:---|:---|:---|
| Event Grade D | 0 | 0% |
| **Total Sample** | 171 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 153 | 89.47% |
| Event Grade B | 18 | 10.53% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 171 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 170 | 99.42% |
| Event Grade B | 1 | 0.58% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 171 | 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").

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 149 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 5 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 3 |
| Credit | A | Audited DTI Exceeds AUS DTI | 2 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 2 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Borrower 1 3rd Party VOE Prior to Close Missing | 2 |
| | | Missing Letter of Explanation (Income) | 1 |
| | | Purchase Contract does not Match Final CD | 1 |
| | | Assets do not meet guideline requirements | 1 |
| | | AUS Partially Provided | 1 |
| | | Asset Qualification Does Not Meet Guideline Requirements | 1 |
| | | The Deed of Trust is Missing | 1 |
| | | Missing Trust Agreement | 1 |
| | | The Total Hazard Coverage is LESS than the Required Coverage Amount | 1 |
| | | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 1 |
| | | Title Document Missing | 1 |
| | | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| | | HMDA Data Tape Not Provided | 1 |
| | | Title Document is Partially Present | 1 |
| | | Borrower 2 3rd Party VOE Prior to Close Missing | 1 |
| | | Asset 1 Expired | 1 |
| | | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
|  |  | ***Total Credit Grade (A) Exceptions:*** | **179** |
|  | B | Title Coverage is Less than Subject Lien | 2 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | **2** |
| Compliance | A | No Compliance Findings | 133 |
| Compliance | A | Revised Loan Estimate Delivery Date Test (prior to consummation) | 9 |
| Compliance | A | Charges That Cannot Increase Test | 8 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 4 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Lender Credits That Cannot Decrease Test | 3 |
| | | Initial Closing Disclosure Delivery Date Test | 2 |
| | | Right of Rescission is Missing | 1 |
| | | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | 1 |
| | | Missing Required Affiliated Business Disclosure | 1 |
| | | Missing Initial Escrow Disclosure | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | **163** |
|  | B | Charges That Cannot Increase Test | 6 |
|  | B | Lender Credits That Cannot Decrease Test | 5 |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 3 |
|  | B | Right of Rescission is Missing | 2 |
|  | B | RESPA Homeownership Counseling Organizations Disclosure Date Test | 1 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  | B | Intent to Proceed is Missing | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | **19** |
| Property | A | No Property Findings | 167 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | **168** |
| Property | B | Property Issue(s) are Present | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | **1** |

---

------

#### Event Grade Definitions

---

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

---

---

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

---

------

---

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

---

---

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

---

## Exhibit 99.11

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 409018720 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) <br>| Loan Review Complete <br>| 10/13/2025 | Waived | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal does not identify any deferred maintenance and was completed as is, but XXX photos show drywall repairs in process and not complete. No cost to cure provided. |  | 10/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges deferred maintenance does not appear to be a safety issue. The following three XXX compensating factors for this purpose: XXX) 29% LTV (max XXX%) XXX) XXX FICO (min XXX required) XXX) $XXX in reserves. | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.3% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.3% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409018720 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing proof of continuance and receipt for child support. Two months of receipt were provided, Redwood Sequoia guide XX/XX/XXXX requires XXX months. No documentation was provided to verify continuance as the dependent is XXX per Final 1003. | ; Document Uploaded. ; Documentation received, RWT to review. ; Document Uploaded. ; ; ;  | 10/29/2025 | Income and Employment Meet Guidelines | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.03% is less than Guideline LTV of 49.03% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.03% is less than Guideline CLTV of 49.03% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409025121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Investments properties owned free and clear per multiple LOEs in file. Provide evidence of annual tax amount for investment properties. | Document Uploaded. Please see the attached documents. They include tax verification for both properties, and please verify the parcel number for 1511 pyhola rd with the property search that was also provided. All of these documents were provided in the initial images | 11/07/2025 | Received copy of tax certs for XXX and XXX. Resolved. | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409031312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409031312 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409031330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409031335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409031335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409031475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Unable to Resolve-Seller acknowledges exception, no change to grading.<br>| 11/11/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.03% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.03% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 409031475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.16% is less than Guideline CLTV of 79.16% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.16% is less than Guideline CCLTV of 79.16% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 409031475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.16% is less than Guideline CLTV of 79.16% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 79.16% is less than Guideline CCLTV of 79.16% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> B<br> A |
| 409031454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in the tax service fee. The COC indicates its due to loan amount increase however clarification is needed as loan amount is not generally considered a valid reason for this fee to increase This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. please see attached | 11/11/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409031455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409031380 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan file is missing the most recent updated quarterly Statement for the Voya retirement account. Statement provided was dated XXX/XXX-XXX/XXX. The loan closed on XXX/XXX/XXX. | Document Uploaded. Please see attached | 11/21/2025 | Asset Qualification Meets Guideline Requirements | 11/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.16% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.16% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409031380 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DH_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. Please see the cure redisclosure pkg attached | 11/21/2025 | Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B | 11/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 79.3% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 79.3% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409031380 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 79.3% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 79.3% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409031381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031382 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DH_##(ii)) 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). | Document Uploaded. Please see the attached PCCD mailed to the borrower. | 11/13/2025 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee on the CD issued XX/XX/XXXX without a valid reason. | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409031384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409031384 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409031390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Cured | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing | Document Uploaded. Please see the attached notice of right to cancel.  | 11/19/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline CLTV of 79.3% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.3% is less than Guideline CCLTV of 79.3%<br> D<br> B<br> A |
| 409031390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.74% is less than Guideline CLTV of 63.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.74% is less than Guideline CCLTV of 63.74%<br> D<br> B<br> A |
| 409031390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 63.74% is less than Guideline CLTV of 63.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 63.74% is less than Guideline CCLTV of 63.74%<br> D<br> B<br> A |
| 409031420 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031420 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031420 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.74% is less than Guideline LTV of 63.74% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.74% is less than Guideline CLTV of 77%<br> A |
| 409031440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77% is less than Guideline CLTV of 77% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77% is less than Guideline CLTV of 77%<br> A |
| 409031440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77% is less than Guideline CLTV of 77% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77% is less than Guideline CLTV of 77%<br> A |
| 409031427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(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. Documentation required: Please remit Initial CD issued XX/XX/XXXX and evidence of receipt for testing. | Document Uploaded. Please see uploaded document, 10/15 signed intial CD, as requested | 11/13/2025 | Client provided copy of missing Initial CD for testing; exception resolved; Client provided copy of missing Initial CD for testing; exception resolved | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77% is less than Guideline LTV of 77% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77% is less than Guideline LTV of 77.36% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Acknowledged | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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 lease note: This test does not validate the content of any list of homeownership counseling organizations. The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date XX/XX/XXXX | Unable to Resolve-Seller acknowledges exception, no change to grading.<br>| 11/13/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline LTV of 77.36% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline LTV of 77.36% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline LTV of 77.36% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline LTV of 77.36% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline LTV of 77.36% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline LTV of 77.36% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031326 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031328 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to 12 CFR ##_DL_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX was due to a decrease in lender credits on the final CD. The COC in file was dated XX/XX/XXXX but the decrease was not disclosed until XX/XX/XXXX | Document Uploaded. Please see attached, Cure check in the amount of the violation, PCCD, LOE to the borrower and shipping information | 11/19/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.36% is less than Guideline CLTV of 77.36% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.36% is less than Guideline CCLTV of 77.36% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031328 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 48% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 48% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031328 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline LTV of 48% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CLTV of 48% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing A business license was printed out to verify self employment, however it is not dated. | Document Uploaded. Please see the attached confirmation the self-employment verification was completed within the required timeframe prior to closing. | 11/14/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48% is less than Guideline CLTV of 48% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48% is less than Guideline CCLTV of 48% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines For income verification, Lender was required to verify XXX years existence. A business license was printed out to verify self employment, however it is not dated, nor did it have a start date to verify XXX yrs. | Please be advised the business tax returns confirm an inception date of 9/20/2010.; Please see the separately uploaded confirmation of when the business license was obtained. The business license states it expires in 2026 which meets guidelines. | 11/17/2025 | Income and Employment Meet Guidelines; Unable to determine from the business license that the business has been existence for XXX years. Please provide evidence of XXX years business existence. | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.2% is less than Guideline LTV of 78.2% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.2% is less than Guideline CLTV of 78.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409031334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE1442 | Credit | Asset 1 Expired | Asset 1 Expired. Per DU, credit documentation must be no older than four months (XXX days). The Capital Group account Statement is dated XX/XX/XXXX and is XXX days from the Note Date of XXX/XXX/XXX. | Document Uploaded. Please see attached most recent quarterly account statement.  | 11/17/2025 | Asset 1 Not Expired | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.2% is less than Guideline LTV of 78.2% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.2% is less than Guideline CLTV of 78.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409031334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.2% is less than Guideline LTV of 78.2% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.2% is less than Guideline CLTV of 78.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.2% is less than Guideline LTV of 78.2% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.2% is less than Guideline CLTV of 78.2% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031344 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.2% is less than Guideline CLTV of 78.2% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.2% is less than Guideline CCLTV of 78.2% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031344 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031344 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031354 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031354 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031354 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> A |
| 409031356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.71% is less than Guideline CLTV of 71.71% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.71% is less than Guideline CCLTV of 71.71%<br> A |
| 409031356 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 71.71% is less than Guideline CLTV of 71.71% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 71.71% is less than Guideline CCLTV of 71.71%<br> A |
| 409031358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031360 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_DL_##(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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee. Evidence of borrower receiving the revised LE and CD's required to test. | Please review the redisclosure CIC form on pg440 in the PDF package<br> that confirms the recording fees increased from $232 to $262 on 10/6 when the property type <br> change from SFR to PUD. This is the valid CIC as extra pages and riders <br> need to be recorded on a PUD. Please use this to clear the exception.  | 11/17/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409031360 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required: Provide executed Right of Rescission for borrowers. | The Notice of Right to Cancel forms were not required on this transaction as the subject is classified as a New Construction. Please review pictures of the appraisal that confirm the borrower has moved into the subject. While some areas are still being finished - there are sheets and personal belonging in a bedroom, the kitchen has groceries and bathrooms have toiletries - all supporting the subject is occupied. Please clear this exception as the NORTC is not required on a new construction  | 11/18/2025 | New construction, RTC not required; Right of Rescission is Provided | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409031360 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 409031360 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> D<br> A |
| 409031445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.71% is less than Guideline LTV of 71.71% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.71% is less than Guideline LTV of 79.76%<br> A |
| 409031445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.76% is less than Guideline LTV of 79.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.76% is less than Guideline LTV of 79.76%<br> A |
| 409031445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.76% is less than Guideline LTV of 79.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.76% is less than Guideline LTV of 79.76%<br> A |
| 409031395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to (12 CFR ##_DJ_##(ii)) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The file is missing the COC for the increase of Appraisal Fee. The Initial LE dated XXX has the Appraisal Fee as XXX the increase happened on XXX the increase went to $XXX. | Document Uploaded. Please see the uploaded document. The CIC for the increase in appraisal fee was the addition of a rush fee due to the request from the broker on 9/26. The uploaded document is the broker email, shant@iconmortgageinc.com requesting the rush due to a short contingency period. Please note, as this is a broker loan, we do not have direct contact with the borrower and the broker acts as a representative for the borrower's interests in matters of requesting changes to the loan. ; Please see page 512 of the loan file. The Valid CIC for the increased appraisal fee was ordering a Collateral Desktop Analysis. This was required per the product guidelines and the initial appraisal returning with a CU score of 5. <br>| 11/21/2025 | Valid COC provided; Exception resolved; The file did contain a valid COC for the appraisal review fee which was already applied, however the file is missing the COC for the increase of Appraisal Fee. The Initial LE dated XXX has the Appraisal Fee as XXX the increase happened on XXX the increase went to XXX but there was no cure or valid reason for for the increase | 11/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.76% is less than Guideline CLTV of 79.76% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.76% is less than Guideline CCLTV of 79.76% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031402 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline CLTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CCLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.92% is less than Guideline LTV of 79.92% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.92% is less than Guideline CLTV of 79.92% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.92% is less than Guideline LTV of 79.92% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.92% is less than Guideline CLTV of 79.92% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031407 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.92% is less than Guideline CLTV of 79.92% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.92% is less than Guideline CCLTV of 79.92% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409031407 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.36% is less than Guideline CLTV of 39.36% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409031407 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline LTV of 39.36% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.36% is less than Guideline CLTV of 39.36% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409031463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. ((12 CFR ##_DJ_##(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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of the recording service fee, settlement/closing fee, and title courier fee from initial LE to final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. Please see the attached PCCD mailed to borrower with the fees in the correct section. | 11/21/2025 | Payees corrected; Exception resolved; Payees corrected; Exception resolved | 11/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_DJ_##(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 he 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. Documentation required to clear exception: Proof of delivery/receipt of final Revised LE dated XX/XX/XXXX at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 10/23 was viewed/received by the borrower on 10/23. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 11/19/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##KU##. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. | Unable to Resolve-Seller acknowledges exception, no change to grading. | 11/19/2025 | Seller acknowledges exception, no change to grading. | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.36% is less than Guideline CLTV of 39.36% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.36% is less than Guideline CCLTV of 39.36% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 53.22% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline LTV of 53.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CLTV of 53.22% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031416 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX on CD XX/XX/XXXX without a COC. Redisclosure history only shows changes made on XXX/XXX/XXX. | Document Uploaded. Please see the screen shots attached from our internal UW system which confirm the broker comp increased as a result of the loan amount change from $920k to $625,500 on 10/24. This is a valid CIC that was disclosed in good faith in the required timeframe per TRID. Please use this to resolve the exception | 11/19/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 11/20/2025 | C<br> A |
| 409031416 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | C<br> A |
| 409031416 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | C<br> A |
| 409031421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031428 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (##KU##]] 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee on CD XX/XX/XXXX without a COC. | Document Uploaded. Please see attached full cure package mailed to the borrower. | 11/25/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409031428 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409031428 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 409031467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.22% is less than Guideline CLTV of 53.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.22% is less than Guideline CCLTV of 53.22% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 78.26% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.26% is less than Guideline CCLTV of 78.26% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 78.26% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.26% is less than Guideline CCLTV of 78.26% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031367 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031367 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031367 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Prelim report does not show our borrower in primary position and does not provided the insure amount of coverage |  |  | Title Document is fully Present. | 11/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409031386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Acknowledged as 2/B per client request; final title showing coverage amount is a trailing doc. |  |  |  | 11/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409031386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409031386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409031386 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409031394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 78.26% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.26% is less than Guideline CCLTV of 78.26% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 78.26% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.26% is less than Guideline CCLTV of 78.26% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | 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. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline CLTV of 78.26% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 78.26% is less than Guideline CCLTV of 78.26% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409031396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Provide evidence to show the revised LE was received by the borrower at least XXX days prior to consummation | Document Uploaded. Please see the attached le verification.  | 11/20/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.26% is less than Guideline LTV of 78.26% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.26% is less than Guideline LTV of 79.46%<br> C<br> A |
| 409031399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46%<br> C<br> A |
| 409031399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46%<br> C<br> A |
| 409031409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender calculated a net monthly rental loss of XXX for the borrowers investment property located on XXX Using the previous year XXX Schedule E to calculate the monthly rent, the net monthly loss calculates to negative $XXX. Additional documentation to support the lenders rental loss of XXX is needed. | Please see attached 1003 and 1008 correcting the DTI and rental income for this property.  | 11/24/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% Received sufficient documentation for the previous primary along with the updated AUS/XXX. DTI matches with this new calculation and documentation. Resolved.; The updated 1003 and XXX provided still does not resolve the higher DTI XXX% being higher than guideline DTI maximum of XXX% Also the AUS in the loan file reflects a DTI of XXX% which is greater than the XXX% allowed variance. | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 79.46% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409031423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audited DTI of XXX% exceeds AUS DTI of XXX%. Lender calculated a net monthly rental loss of XXX for the borrowers investment property located on XXX Using the previous year XXX Schedule E to calculate the monthly rent, the net monthly loss calculates to negative $XXX. Additional documentation to support the lenders rental loss of XXX is needed. | Document Uploaded. Under additional review the converted primary rental income can be used per the lease agreement. The income is reported as category 7 self-rental which is from the borrower's business on the 2024 and 2023 Schedule E. While this income cannot be used to qualify for previous years. The signed lease agreement on file along with the security deposit checks provided support conversion of a primary to an actual rental property the borrower's will not occupy. Attached is the udpated 1003, 1008 and AUS. Also attached is the check for the security deposity as well as the articles of incorporation for the individual leasing the property. ; Document Uploaded. Please see attached 1003 and 1008 correcting the DTI and rental income for this property. ; Document Uploaded. Please see attached lease agreement confirming the use of rental income offsetting the mortgage payment and results in a DTI under 45% meeting guidelines and not requiring any additional documentation. Please review to clear this condition.  | 11/25/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%. Received sufficient documentation for the previous primary along with the updated AUS/XXX. DTI matches with this new calculation and documentation. Resolved.; The updated 1003 and XXX provided still does not resolve the higher DTI XXX% being higher than guideline DTI maximum of XXX% Also the AUS in the loan file reflects a DTI of XXX% which is greater than the XXX% allowed variance.; Audited DTI of XXX% exceeds AUS DTI of XXX%; The Lease Agreement attached is effective XX/XX/XXXX (after the closing date of XX/XX/XXXX for the subject property and evidence of copies of the security deposit and first full month's rent check Not provided) with rent amount of XXX per monthnth, which is XXX times higher than the rental income listed on the XXX and XXX Sch E included in the loan file. Please provide explanation as to the same REO on Sylvan St already being reported on tax returns Sch E and a new rental lease agreement with XXX times higher rent being provided. | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 79.46% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409031423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 79.46% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409031423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 79.46% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 79.46% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409031424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE. The documentation provided does not show when the verification was pulled. Please provide. | Document Uploaded. Please see the attached screenshot showing it was obtained on 10/15/25. | 11/20/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031424 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline CLTV of 79.46% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CCLTV of 79.46% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 70.16% is less than Guideline CLTV of 70.16% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 70.16% is less than Guideline CCLTV of 70.16% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 70.16% is less than Guideline CLTV of 70.16% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 70.16% is less than Guideline CCLTV of 70.16% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.16% is less than Guideline LTV of 70.16% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.16% is less than Guideline CLTV of 73.95% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.95% is less than Guideline CLTV of 73.95% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.95% is less than Guideline CLTV of 73.95% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.95% is less than Guideline CLTV of 73.95% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 73.95% is less than Guideline CLTV of 73.95% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409031429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.95% is less than Guideline LTV of 73.95% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.95% is less than Guideline LTV of 61.52%<br> A |
| 409031429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 61.52% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 61.52%<br> A |
| 409031429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 61.52% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 61.52%<br> A |
| 409031437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline CLTV of 61.52% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.52% is less than Guideline CCLTV of 61.52% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.48% is less than Guideline LTV of 52.48% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.48% is less than Guideline CLTV of 52.48% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.48% is less than Guideline LTV of 52.48% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.48% is less than Guideline CLTV of 52.48% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.48% is less than Guideline CLTV of 52.48% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.48% is less than Guideline CCLTV of 52.48% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409031438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 44.72% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.72% is less than Guideline CLTV of 44.72% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline LTV of 44.72% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.72% is less than Guideline CLTV of 44.72% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.72% is less than Guideline CLTV of 44.72% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.72% is less than Guideline CCLTV of 44.72%<br> A |
| 409035141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 55.42% is less than Guideline CLTV of 55.42% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 55.42% is less than Guideline CCLTV of 55.42%<br> A |
| 409035141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 55.42% is less than Guideline CLTV of 55.42% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 55.42% is less than Guideline CCLTV of 55.42%<br> A |
| 409035159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.42% is less than Guideline LTV of 55.42% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.42% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery. The XXX% tolerance violation in the amount of XXX is due to the addition of an Appraisal Review Fee on CD XXX/XXX/XXX. The date of the desk review is XXX/XXX/XXX. A cure is required due to timing violation. | Document Uploaded. Please see attached cure package mailed to the borrower. | 12/16/2025 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Rescinded | finding-3656 | Compliance | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test his loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy he CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer he "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing State and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test his loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy he CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer he "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing State and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. |  |  | NA, in curative | 12/17/2025 | C<br> B<br> A |
| 409035119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline LTV of 79.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.82% is less than Guideline CLTV of 79.82% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.82% is less than Guideline CCLTV of 79.82% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.77% is less than Guideline LTV of 56.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.77% is less than Guideline CLTV of 56.77% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.77% is less than Guideline LTV of 56.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.77% is less than Guideline CLTV of 56.77% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.77% is less than Guideline CLTV of 56.77% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.77% is less than Guideline CCLTV of 56.77% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 76.76% is less than Guideline CLTV of 76.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 76.76% is less than Guideline CCLTV of 76.76% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 76.76% is less than Guideline CLTV of 76.76% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 76.76% is less than Guideline CCLTV of 76.76% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | A |
| 409035133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | A |
| 409035133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | A |
| 409035137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | The appraisal confirms the cost of new as $1,041,555 meaning the coverage is sufficient. Please review to cancel this exception.  | 12/15/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.76% is less than Guideline LTV of 76.76% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.76% is less than Guideline CLTV of 44.4%<br> C<br> A |
| 409035137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.4% is less than Guideline CLTV of 44.4% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.4% is less than Guideline CLTV of 44.4%<br> C<br> A |
| 409035137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.4% is less than Guideline CLTV of 44.4% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 44.4% is less than Guideline CLTV of 44.4%<br> C<br> A |
| 409035140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed and therefore not received by the consumer XXX business days prior to the consummation date. The defect can be cured by providing evidence showing the consumer received the disclosure XXX business days prior to consummation. | Document Uploaded. Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.  | 12/15/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.4% is less than Guideline LTV of 44.4% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 44.4% is less than Guideline CLTV of 62.15%<br> C<br> A |
| 409035142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.15% is less than Guideline CLTV of 62.15% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.15% is less than Guideline CLTV of 62.15%<br> C<br> A |
| 409035142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.15% is less than Guideline CLTV of 62.15% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.15% is less than Guideline CLTV of 62.15%<br> C<br> A |
| 409035144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.15% is less than Guideline LTV of 62.15% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.15% is less than Guideline CLTV of 79.36% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 79.36% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 79.36% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 79.36% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline CLTV of 79.36% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.36% is less than Guideline LTV of 79.36% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.36% is less than Guideline CLTV of 77.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.08% is less than Guideline CLTV of 77.08% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77.08% is less than Guideline CLTV of 77.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.08% is less than Guideline CLTV of 77.08% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 77.08% is less than Guideline CLTV of 77.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.08% is less than Guideline LTV of 77.08% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.08% is less than Guideline LTV of 67.74%<br> A |
| 409035149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 67.74% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline LTV of 67.74%<br> A |
| 409035151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing | Document Uploaded. Please see the attached title commitment.  | 12/17/2025 | Title Document is fully Present | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.74% is less than Guideline CLTV of 67.74% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.74% is less than Guideline CCLTV of 67.74%<br> D<br> A |
| 409035151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 46.16% is less than Guideline CLTV of 46.16% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 46.16% is less than Guideline CCLTV of 46.16%<br> D<br> A |
| 409035151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 46.16% is less than Guideline CLTV of 46.16% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 46.16% is less than Guideline CCLTV of 46.16%<br> D<br> A |
| 409035153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | 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. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.16% is less than Guideline LTV of 46.16% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.16% is less than Guideline LTV of 76.62%<br> A |
| 409035157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 76.62% is less than Guideline LTV of 76.62% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.62% is less than Guideline LTV of 76.62%<br> A |
| 409035157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 76.62% is less than Guideline LTV of 76.62% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.62% is less than Guideline LTV of 76.62%<br> A |
| 409035189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 76.62% is less than Guideline CLTV of 76.62% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.62% is less than Guideline CCLTV of 76.62%<br> A |
| 409035189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.05% is less than Guideline CLTV of 72.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.05% is less than Guideline CCLTV of 72.05%<br> A |
| 409035189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.05% is less than Guideline CLTV of 72.05% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.05% is less than Guideline CCLTV of 72.05%<br> A |
| 409035160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | 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. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the appraisal fee from XXX on initial CD dated XX/XX/XXXX to XXX on final CD dated XXX/XXX/XXX. A COC or other justification for the increase was not found in the loan file. | Document Uploaded. Please see the attached redisclosure package. | 12/30/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.05% is less than Guideline LTV of 72.05% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.05% is less than Guideline LTV of 74.94%<br> A |
| 409035165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 74.94% is less than Guideline LTV of 74.94% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.94% is less than Guideline LTV of 74.94%<br> A |
| 409035165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 74.94% is less than Guideline LTV of 74.94% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.94% is less than Guideline LTV of 74.94%<br> A |
| 409035167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Unable to locate Income documentation for XXX ,XXX, XXX, XXX. Located busines on Schedule E - fotm XXXStatement XXX and XXX but did not see the breakdown to calculate the losses used by the lender. | Document Uploaded. Please see the document attached showing our calculations for the 4 business where SE losses were used to qualify. Guidelines do not require any additional documentation when we are hitting the borrower with the full losses that are present on the schedule E. The loss amounts we used can be found in the federal statements attached to the 2024 and 2023 1040s we provided. Please review the federal statements and the calculations we have attached to remedy the exception. | 12/18/2025 | Income and Employment Meet Guidelines | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | A |
| 409035191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | A |
| 409035191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | A |
| 409035169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.94% is less than Guideline CLTV of 74.94% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.94% is less than Guideline CCLTV of 74.94%<br> A |
| 409035169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline CLTV of 67.05% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 67.05% is less than Guideline CCLTV of 67.05%<br> A |
| 409035169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline CLTV of 67.05% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 67.05% is less than Guideline CCLTV of 67.05%<br> A |
| 409035173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase for Appraisal review Fee which went from XXX on all prior disclosures to XXX on final disclosure dated XXX/XXX/XXX. A COC justifying the addition was not found in the loan file and additionally, the CDA invoice in file is dated XX/XX/XXXX but was not disclosed to the borrower till XX/XX/XXXX and does not meet timing requirements. Please provide a valid COC or cure package. | Document Uploaded. Please see attached PCCD curing the issue.  | 12/29/2025 | Received PCCD, LOE, Copy of refund check and proof of delivery for testing - exception cured; Received PCCD, LOE, Copy of refund check and proof of delivery for testing - exception cured | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.05% is less than Guideline LTV of 67.05% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.05% is less than Guideline CLTV of 52.5% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409035173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing applicable documentation to support the PITIA of XXX for property located at XXX E. Elena Avenue. | Document Uploaded. Please see attached HOA and Taxes for this property; Document Uploaded. Please see attached taxes and insurance for this property. ; Document Uploaded. Please see attached CD for the refinance which is set to close tomorrow 12/19. This CD confirms the PITIA used for qualifying.  | 12/23/2025 | PITIA documents provided.; Verification of the properties taxes was not included with the HOI declaration upload. Verification of taxes and HOA dues are still pending.; Received closing disclosure for property XXX E Elana Avenue confirming P&I payment of $XXX. However, the T&I is not escrowed. Evidence of the monthly taxes, insurance, and HOA payments is required. | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 52.5% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 52.5% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409035173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 52.5% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline CLTV of 52.5% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409035190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.5% is less than Guideline LTV of 52.5% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.5% is less than Guideline LTV of 64.73% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 64.73% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 64.73% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 64.73% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 64.73% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Cured | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear condition: Provide executed Right of Rescission for all borrowers and non-borrowers. | Document Uploaded. Please see uploaded document. Post close ROR | 12/24/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 89.9% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 89.9% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409035175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.33% is less than Guideline LTV of 68.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.33% is less than Guideline CLTV of 68.33% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409035175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.33% is less than Guideline LTV of 68.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.33% is less than Guideline CLTV of 68.33% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409035176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | 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. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 verification of employment date of call missing. | Please review pg405 which contains the paystub for B2 dated 10/30/25. This is 1 day before closing on 11/1 and meets paystub used in lieu of VOE guidelines as its dated within 15 business days of closing. Please use it to clear the exception as a VOE was not required | 12/17/2025 | Guidelines indicate a verification of employment dated within XXX days of closing is required, it does not indicate a "verbal" verification is required. B2 paystub in file is dated XXX days prior to close which meets the AUS and the guideline requirement. Condition rescinded. | 12/18/2025 | A |
| 409035592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035572 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035572 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035572 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035602 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035602 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035602 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035590 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035590 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035590 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035603 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the lender credit. There is a COC dated XX/XX/XXXX however there is no evidence the borrower received LE XX/XX/XXXX prior to CD XXX/XXX/XXX, therefore the COC wasn't accepted. Provide evidence when the LE was received to determine if this was a valid change. | Document Uploaded. Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.  | 12/17/2025 | Revised LE receipt date; exception resolved; Revised LE receipt date; exception resolved | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035603 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Provide evidence the borrower received the revised LE XX/XX/XXXX prior to the CD dated XXX/XXX/XXX. | Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.  | 12/17/2025 | Revised LE receipt date; exception resolved; Revised LE receipt date; exception resolved | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035603 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035603 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035580 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035580 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035580 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035582 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035582 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | 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. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035582 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035594 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## 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). Because the loan failed the Revised LE Delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Therefore, the decrease in lender credits on XX/XX/XXXX did not reset baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely or a reimbursement of $XXX. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 11/14/25 was viewed/received by the borrower on 11/14/25 Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/17/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035594 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 11/14/25 was viewed/received by the borrower on 11/14/25 Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/17/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035594 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## 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). Because the loan failed the Revised LE Delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Therefore, the increase to the Points - Loan Discount Fee on XX/XX/XXXX did not reset baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely or a reimbursement of $XXX. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 11/14/25 was viewed/received by the borrower on 11/14/25 Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/17/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035594 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035594 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee on LE XXX/XXX/XXX. COC in file shows Appraisal review fee required on XX/XX/XXXX which is not within XXX days of LE when the fee was added. | Document Uploaded. Please see attached 10/25 LE confirming the fee was disclosed within the required time.  | 12/18/2025 | Revised LE with valid COC provided, Exception resolved; Revised LE with valid COC provided, Exception resolved | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035593 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (##KP## | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##KU##. Provide evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date. | Unable to Resolve-Seller acknowledges exception, no change in grading  | 12/17/2025 | Acknowledged as 2/B grading per client request | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409035593 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409035593 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409035573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035598 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035598 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035598 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035578 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035604 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035604 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035604 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Documentation required to clear exception: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 11/14/25 was viewed/received by the borrower on 11/17/25 Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.  | 12/18/2025 | Received RLE receipt date | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409035577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409035577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409035605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing To cure the defect please provide the Initial Escrow Account Disclosure. | Document Uploaded. Please see attached initial escrow account disclosure.  | 12/18/2025 | Initial Escrow Account Disclosure is Resolved; Received IEADS | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 409035605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 409035605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 409035601 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Documentation required to clear exception: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date. The defect can be cured by providing evidence showing the consumer received the disclosure XXX business days prior to consummation. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 12/1 was viewed/received by the borrower on 12/1. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 12/18/2025 | Received LE receipt date | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035601 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035601 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee on the Final CD dated XXX. | Document Uploaded. Please see the attached redisclosure package. ; The borrowers lender credits had to be reallocated to other fees in order to pay for the appraisal review fee which had already been paid prior to closing. The Final Cd's lender credits exceeded the prior disclosures which included the CDA review fee. Please review the increase in lender credits from prior disclosures to the final disclosure.  | 12/30/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The appraisal review fee had bee listed on the LE as XXX on the final CD the amount was XXX without a valid COC. The lender credits did not include the appraisal review fee on either the CD or the itemization in file therefore it is not considered as paid by the lender and due the the fee increasing without a valid COC it is considered out of tolerance and a cure is required | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.33% is less than Guideline CLTV of 68.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.33% is less than Guideline CCLTV of 68.33% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409035134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## 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). Document Uploaded. Please see the attached redisclosure package. The fees inadventently went down on POst close cd, we have corrected it on the new disclosure and refunded the tolerance violation. Document Uploaded. Please see the attached redisclosure package. The fees inadventently went down on POst close cd, we have corrected it on the new disclosure and refunded the tolerance violation. Document Uploaded. Please see the attached redisclosure package. The fees inadventently went down on POst close cd, we have corrected it on the new disclosure and refunded the tolerance violation. Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B |  |  | The PCCD shows a reduction in the lender credits from XXX to $XXX. Credits cannot be rebaselined after consummation. Cure required | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 39.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 39.22% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409035134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (##KU##]] 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording Fee on the final CD dated XXX. | Document Uploaded. Please see the attached redisclosure package.  | 12/22/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 39.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 39.22% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409035134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Lender has no affiliates that were offered as service providers to the borrower.  | 12/19/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 39.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 39.22% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409035134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Unable to Resolve-seller accepts; no change to grading.  | 12/19/2025 | Confirmed : Unable to Resolve-seller accepts; no change to grading. | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 39.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 39.22% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409035134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline LTV of 39.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CLTV of 39.22% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409035135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Rescinded | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (##KU##]] 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the XXX Fee added to final CD XXX/XXX/XXX. A COC is required to determine if this was a valid change. Final Charges That In Total Cannot Increase More Than XXX% Total XXX (XXX fee XXX and Recording fee $XXX) Comparable Charges That In Total Cannot Increase More Than XXX% Total XXX (Recording fee $XXX) Tolerance variance amount for charges that in total cannot increase more than XXX% XXX | The attorney fee - SC is a borrower request. We did not require this fee. It is not subject to 10% tolerance.  | 12/19/2025 | Corrected XXX fee; exception resolved; Corrected XXX fee; exception resolved | 12/22/2025 | C<br> A |
| 409035135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.22% is less than Guideline CLTV of 39.22% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.22% is less than Guideline CCLTV of 39.22% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX MISSING MORTGAGE information for XXX shown on HOI endorsement. Provide evidence property is free and clear supporting monthly obligation of $XXX. XXX Undisclosed REO. Provide evidence borrower sold property located at XXX. Missing HOI information for XXX Provide documentation HO6 is paid through the HOA fee supporting monthly obligation of XXX | Please review pg362 which contains the release of lien for 323 <br> XXX. Pg311 contains the HOA bill for XXX and verifies a $XXX insurance payment on 8/31. Pg454 contains a <br> property docs verify the borrowers business owns XXX  | 12/19/2025 | REO documents found in loan file per lender. | 12/22/2025 | A |
| 409035136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Rescinded | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Provide letter from CPA clarifying 1120S line XXX/Statement XXX Other income recurrence from year to year to support exclusion in XXX qualifying income with XXX. | Please review pg337 which contains the CPA letter | 12/19/2025 | CPA letter found on pg XXX | 12/22/2025 | A |
| 409035136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 409035139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing housing information on REO listed on Final 1003. Provide documentation following properties are free and clear: XXX Sherrill Rd, XXX Betsinger Provide HOI premium documentation for XXX to verify monthly obligation does not exceed XXX Provide HOI premium and HOA documentation for XXX Betsinger to verify monthly obligation does not exceed XXX | The property search shows a mortgage not in the borrower's name, who 1 of two owners of that property. What that document is showing is that there are no mortgages in the borrower's name on the property. ; Document Uploaded. Please see the attached property search, there is no evidence the borrower has any debts associated with this property. ; Please review pg9 in the PDF package which is an attestation letter confirming XXX is a vacant lot with no structures, no mortgage or property insurance. The schedule E from the 2024 1040s were used to verify the tax and insurance liability for the XXX property.  | 12/29/2025 | Lender provided Property history showing mtg not in borrower's name.; The Property history report provided for XXX shows a loan amount of XXX on XX/XX/XXXX with a deed recorded on XXX/XXX/XXX, which indicates a mortgage on the REO at XXX. Please provide PITIA to be added to the DTI calculation.; Still Missing evidence of XXX being free and clear. Please provide. | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CCLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409035147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.91% is less than Guideline LTV of 69.91% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.91% is less than Guideline CLTV of 69.91% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409035147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.91% is less than Guideline LTV of 69.91% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.91% is less than Guideline CLTV of 69.91% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409035148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease in lender credit from XXX on CD dated XX/XX/XXXX to XXX on CD dated XXX/XXX/XXX. A COC for the decrease was not found in the loan file. | Document Uploaded. Please see attached PCCD curing the issue.  | 12/29/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.91% is less than Guideline CLTV of 69.91% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.91% is less than Guideline CCLTV of 69.91%<br> C<br> B<br> A |
| 409035148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.11% is less than Guideline LTV of 42.11% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.11% is less than Guideline CLTV of 42.11%<br> C<br> B<br> A |
| 409035148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.11% is less than Guideline LTV of 42.11% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.11% is less than Guideline CLTV of 42.11%<br> C<br> B<br> A |
| 409035150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.11% is less than Guideline CLTV of 42.11% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.11% is less than Guideline CCLTV of 42.11%<br> A |
| 409035150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline CLTV of 72.76% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.76% is less than Guideline CCLTV of 72.76%<br> A |
| 409035150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline CLTV of 72.76% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 72.76% is less than Guideline CCLTV of 72.76%<br> A |
| 409035152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035156 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.76% is less than Guideline LTV of 72.76% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.76% is less than Guideline LTV of 66.17%<br> A |
| 409035156 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 66.17% is less than Guideline LTV of 66.17% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.17% is less than Guideline LTV of 66.17%<br> A |
| 409035156 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 66.17% is less than Guideline LTV of 66.17% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.17% is less than Guideline LTV of 66.17%<br> A |
| 409035158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the initial CD dated XX/XX/XXXX to XXX on the final CD dated XXX, No COC was provided for the decrease. | Document Uploaded. Please see attached PCCD curing the issue.  | 12/29/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409035161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. Because the loan failed the Revised Loan Estimate Delivery Date Test due to no proof the revised LE was received at least XXX business days before consummation, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if borrower receipt date for the revised LE dated XX/XX/XXXX is provided. Additional testing will be completed once borrower receipt date is provided. | The loan estimate where the lender credits are being pulled from is an unlocked loan estimate, the first locked loan estimate has no lender credits and this is the disclosure that sets the baseline.  | 12/19/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Documentation required to clear exception. Proof of delivery/receipt of Revised LE dated XXX/XXX/XXX. Revised LE was not acknowledged by borrower and proof of delivery was missing from file. Unable to determine if timing requirements were met prior to consummation date XXX/XXX/XXX. | Document Uploaded. Please see the attached loan estimate verification.  | 12/19/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. Because the loan failed the Revised Loan Estimate Delivery Date Test due to no proof the revised LE was received at least XXX business days before consummation, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if borrower receipt date for the revised LE dated XX/XX/XXXX is provided. Additional testing will be completed once borrower receipt date is provided. | The loan estimate where the points are being pulled from is an unlocked loan estimate, the first locked loan estimate has full amount of points and this is the disclosure that sets the baseline.  | 12/19/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.17% is less than Guideline CLTV of 66.17% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.17% is less than Guideline CCLTV of 66.17% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.24% is less than Guideline LTV of 39.24% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.24% is less than Guideline CLTV of 39.24% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.24% is less than Guideline LTV of 39.24% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.24% is less than Guideline CLTV of 39.24% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.24% is less than Guideline CLTV of 39.24% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.24% is less than Guideline CCLTV of 39.24% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.33% is less than Guideline CLTV of 66.33% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 66.33% is less than Guideline CCLTV of 66.33% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.33% is less than Guideline CLTV of 66.33% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 66.33% is less than Guideline CCLTV of 66.33% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The AUS shows a significantly lower DTI calculation which does not match the lender's figures of a final DTI of XXX%. An updated AUS is required. | Document Uploaded. Please see uploaded document, updated AUS as requested.  | 12/26/2025 | AUS is not incomplete | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. | Please review the binder for the subject property located on pg217 <br> in the PDF package. It confirms an effective date of 11/26 which is the <br> same date as disbursement. This meets guidelines for purchase loans as <br> the policy start date must be no later than the disbursement date which <br> was met  | 12/23/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409035174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.33% is less than Guideline LTV of 66.33% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.33% is less than Guideline CLTV of 74.69% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.69% is less than Guideline CLTV of 74.69% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.69% is less than Guideline CLTV of 74.69% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.69% is less than Guideline CLTV of 74.69% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 74.69% is less than Guideline CLTV of 74.69% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> A |
| 409035178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Rescinded | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement The Trust Agreement has not been completed. The inter vivos revocable trust must be established by one or more natural persons, solely or jointly. The primary beneficiary of the trust must be the individual(s) establishing the trust. If the trust is established jointly, there may be more than one primary beneficiary as long as the income or assets of at least one of the individuals establishing the trust will be used to qualify for the mortgage. The trustee(s) must include either: the individual establishing the trust (or at least one of the individuals, if there are two or more); or an institutional trustee that customarily performs trust functions in and is authorized to act as trustee under the laws of the applicable State. The trustee(s) must have the power to mortgage the security property for the purpose of securing a loan to the individual (or individuals) who are the borrower(s) under the mortgage or deed of trust note. |  |  | Trust Agreement was located in the file; finding rescinded.; Trust Agreement Meets Guideline Requirements | 12/23/2025 | A |
| 409035178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.69% is less than Guideline LTV of 74.69% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.69% is less than Guideline LTV of 72.95% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 72.95% is less than Guideline LTV of 72.95% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.95% is less than Guideline LTV of 72.95% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Acknowledged | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. | Unable to Resolve-Seller acknowledges exception, no change in grading  | 12/22/2025 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409035179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409035179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409035180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Subject property has an additional insurance policy with XXX that was not included in the calculation. | Please re-review. The borrower had options from more than one insurance company and selected Farmers. Its clear from reviewing the polices that they provide the same coverage and only one would have been selected. Please review to clear this condition as only one policy is needed for coverage which is the one qualified with that the borrower chose.  | 12/23/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Subject property has an additional insurance policy with XXX that was not included in the calculation. | Please re-review. The borrower had options from more than one insurance company and selected Farmers. Its clear from reviewing the polices that they provide the same coverage and only one would have been selected. Please review to clear this condition as only one policy is needed for coverage which is the one qualified with that the borrower chose.  | 12/23/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. DU does not require reserves, but the lender does require XXX month's of reserves. Total Reserve Amount Shortage XXX | Please refer to page 246 to confirm proceeds from the sale of the non-subject property 881 Derick Ln to be used towards qualifying assets. | 12/23/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.95% is less than Guideline CLTV of 72.95% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.95% is less than Guideline CCLTV of 72.95% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Total Reserve Amount Shortage XXX Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Total Reserve Amount Shortage XXX | Please refer to page 246 to confirm proceeds from the sale of the non-subject property 881 Derick Ln to be used towards qualifying assets. | 12/23/2025 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.27% is less than Guideline CLTV of 53.27% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 53.27% is less than Guideline CCLTV of 53.27% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Per DU: Verify these assets with a verification of deposit or bank Statements covering a two-month period. Lender only provided an account overview. Total Reserve Amount Shortage XXX | Please refer to page 246 to confirm proceeds from the sale of the non-subject property 881 Derick Ln to be used towards qualifying assets. | 12/23/2025 | Funds are found to meet guidelines. | 12/24/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.27% is less than Guideline CLTV of 53.27% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 53.27% is less than Guideline CCLTV of 53.27% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.27% is less than Guideline CLTV of 53.27% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 53.27% is less than Guideline CCLTV of 53.27% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.27% is less than Guideline CLTV of 53.27% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 53.27% is less than Guideline CCLTV of 53.27% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM3813 | Credit | XXX Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the XXX Contract. Truth in Lending Act (Regulation Z) XXX CFR XXX(a)(XXX)(vii) | Please see page 455 of the loan file. IT confirms the purchase price is $3,285,000.  | 12/22/2025 | The sales price on the XXX Contract and Final CD match. | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.27% is less than Guideline LTV of 53.27% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.27% is less than Guideline LTV of 77.64% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409035185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 77.64% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 77.64% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409035185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 77.64% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 77.64% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409035186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.64% is less than Guideline CLTV of 77.64% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.64% is less than Guideline CCLTV of 77.64% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated ##PH## is less than Guideline ##PH## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated C##PH## is less than Guideline C##PH## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated ##PH## is less than Guideline ##PH## \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated C##PH## is less than Guideline C##PH## \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 409035586 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The taxes insurance and dues have not been documented for XXX and XXX | Document Uploaded. Please see the 2024 1065 for XXX which owns the properties, form 8825 and schedule 7 confirm the liabilities | 12/19/2025 | Received XXX for Iridescent XXX including form XXX listing the REO properties monthly T&I | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035586 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035586 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035600 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035597 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing. Provide a copy of the executed Deed of Trust and any applicable Riders. The Deed of Trust is Missing. Provide a copy of the executed Deed of Trust and any applicable Riders. | Document Uploaded. ; Please see the attached deed of trust. ; Document Uploaded. Please see the attached recorded deed of trust.  | 12/30/2025 | The Deed of Trust is Present. Copy of the recorded mortgage was provided.; The Deed attached is not for this loan. Please provide DOT for the subject property at XXX | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035597 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035597 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409035596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##KU##]] 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 he 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. Documentation required to cure: Provide evidence borrower was in receipt of LE's issued XXX/XXX/XXX. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated 11/20 was viewed/received by the borrower on 11/20. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/29/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required: Cure of XXX required for increase in discount points. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or evidence borrower was in receipt of Revised LE's issued XXX/XXX/XXX. | Please see the attached internal screenshot showing that the LE dated 11/20 was viewed/received by the borrower on 11/20. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 12/29/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409035591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> A |
| 409035607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/26/2025 | A |
| 409035607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/26/2025 | A |
| 409035607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/26/2025 | A |
| 409037606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal is subject to the following repair: Exposed wires need to be covered. There are pictures of the correction but no attestation of the repairs. | Document Uploaded. Please see attached attestation that repairs were completed. | 01/05/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409037606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KU## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The lender credit tolerance violation in in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The change occurred on CD issued XXX/XXX/XXX, COC provided does not show a decrease in lender credits. Providing a valid reason for the change may cure the violation. | Document Uploaded. Please see the attached package mailed to the borrower curing the issue. | 01/06/2026 | Received copy of PCCD, LOE, copy of refund check and proof of shipment for testing. Exception cured.; Received copy of PCCD, LOE, copy of refund check and proof of shipment for testing. Exception cured. | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409037606 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job.<br> C<br> B<br> A |
| 118040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation Required:<br> The file is missing the Initial CD. Please remit for testing. | Document Uploaded. Please see attached, Initial CD as requested | 12/12/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409031398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Cure required: Cure required of $XXX for origination charges added to PCCD issued XX/XX/XXXX. Cure requires PCCD, LOE, copy of refund check, and proof of mailing.  | The PCCD does not add any additional fees. The fees in section A were originally bifurcated in error. The PCCD corrected the error by combining the fees into one and correcting the name to Origination Fee. This does not constitute a tolerance violation as the fee has remained consistent, in regards to the amount, throughout the process.  | 12/12/2025 | Explanation provided for the updated origination fee, exception resolved.; Explanation provided for the updated origination fee, exception resolved. | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409031398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409031398 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409035129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 409035129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |

---

## Exhibit 99.12

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 409018720 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409025121 | XXXXX |  | $XXXXXX<br> A |
| 409031310 |  |  | $XXXXXX<br> A |
| 409031312 |  |  | $XXXXXX<br> D<br> A |
| 409031330 |  |  | $XXXXXX<br> A |
| 409031335 |  |  | $XXXXXX<br> A |
| 409031475 |  |  | $XXXXXX<br> A<br> B |
| 409031454 |  |  | $XXXXXX<br> A |
| 409031455 |  |  | $XXXXXX<br> A<br> C |
| 409031380 |  |  | $XXXXXX<br> C<br> A<br> B |
| 409031381 |  |  | $XXXXXX<br> A |
| 409031382 |  |  | $XXXXXX<br> A |
| 409031384 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409031390 |  |  | $XXXXXX<br> A<br> D<br> B |
| 409031420 |  |  | $XXXXXX<br> A |
| 409031440 |  |  | $XXXXXX<br> A |
| 409031427 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409031431 |  |  | $XXXXXX<br> A |
| 409031443 |  |  | $XXXXXX<br> A |
| 409031316 |  |  | $XXXXXX<br> A |
| 409031326 |  |  | $XXXXXX<br> A |
| 409031328 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409031331 |  |  | $XXXXXX<br> A |
| 409031334 |  |  | $XXXXXX<br> D<br> A |
| 409031344 |  |  | $XXXXXX<br> A |
| 409031354 |  |  | $XXXXXX<br> A |
| 409031356 |  |  | $XXXXXX<br> A |
| 409031358 |  |  | $XXXXXX<br> A |
| 409031360 |  |  | $XXXXXX<br> A<br> D |
| 409031445 |  |  | $XXXXXX<br> A |
| 409031395 |  |  | $XXXXXX<br> A<br> C |
| 409031460 |  |  | $XXXXXX<br> A |
| 409031397 |  |  | $XXXXXX<br> A |
| 409031400 |  |  | $XXXXXX<br> A |
| 409031401 |  |  | $XXXXXX<br> A |
| 409031402 |  |  | $XXXXXX<br> A |
| 409031403 |  |  | $XXXXXX<br> A |
| 409031405 |  |  | $XXXXXX<br> A |
| 409031407 |  |  | $XXXXXX<br> A |
| 409031463 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409031411 |  |  | $XXXXXX<br> A |
| 409031416 |  |  | $XXXXXX<br> A<br> C |
| 409031421 |  |  | $XXXXXX<br> A |
| 409031428 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409031467 |  |  | $XXXXXX<br> A |
| 409031432 |  |  | $XXXXXX<br> A |
| 409031318 |  |  | $XXXXXX<br> A |
| 409031367 |  |  | $XXXXXX<br> A |
| 409031469 |  |  | $XXXXXX<br> A |
| 409031386 |  |  | $XXXXXX<br> D<br> A<br> B |
| 409031394 |  |  | $XXXXXX<br> A |
| 409031396 |  |  | $XXXXXX<br> A |
| 409031399 |  |  | $XXXXXX<br> A<br> C |
| 409031409 |  |  | $XXXXXX<br> A |
| 409031412 |  |  | $XXXXXX<br> A |
| 409031464 |  |  | $XXXXXX<br> A |
| 409031422 |  |  | $XXXXXX<br> A |
| 409031423 |  |  | $XXXXXX<br> C<br> A |
| 409031424 |  |  | $XXXXXX<br> D<br> A |
| 409031425 |  |  | $XXXXXX<br> A |
| 409031426 |  |  | $XXXXXX<br> A |
| 409031429 |  |  | $XXXXXX<br> A |
| 409031437 |  |  | $XXXXXX<br> A |
| 409031438 |  |  | $XXXXXX<br> A |
| 409035122 |  |  | $XXXXXX<br> A |
| 409035141 |  |  | $XXXXXX<br> A |
| 409035159 |  |  | $XXXXXX<br> A |
| 409035113 |  |  | $XXXXXX<br> A |
| 409035114 |  |  | $XXXXXX<br> A |
| 409035115 |  |  | $XXXXXX<br> A |
| 409035116 |  |  | $XXXXXX<br> A |
| 409035119 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409035120 |  |  | $XXXXXX<br> A |
| 409035121 |  |  | $XXXXXX<br> A |
| 409035123 |  |  | $XXXXXX<br> A |
| 409035126 |  |  | $XXXXXX<br> A |
| 409035128 |  |  | $XXXXXX<br> A |
| 409035130 |  |  | $XXXXXX<br> A |
| 409035133 |  |  | $XXXXXX<br> A |
| 409035137 |  |  | $XXXXXX<br> C<br> A |
| 409035140 |  |  | $XXXXXX<br> A |
| 409035142 |  |  | $XXXXXX<br> A<br> C |
| 409035144 |  |  | $XXXXXX<br> A |
| 409035145 |  |  | $XXXXXX<br> A |
| 409035149 |  |  | $XXXXXX<br> A |
| 409035151 |  |  | $XXXXXX<br> D<br> A |
| 409035153 |  |  | $XXXXXX<br> A |
| 409035154 |  |  | $XXXXXX<br> A |
| 409035157 |  |  | $XXXXXX<br> A |
| 409035189 |  |  | $XXXXXX<br> A |
| 409035160 |  |  | $XXXXXX<br> A |
| 409035162 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409035165 |  |  | $XXXXXX<br> A |
| 409035167 |  |  | $XXXXXX<br> C<br> A |
| 409035191 |  |  | $XXXXXX<br> A |
| 409035169 |  |  | $XXXXXX<br> A |
| 409035173 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409035190 |  |  | $XXXXXX<br> A |
| 409035175 |  |  | $XXXXXX<br> A<br> D<br> B |
| 409035176 |  |  | $XXXXXX<br> A |
| 409035183 |  |  | $XXXXXX<br> A |
| 409035184 |  |  | $XXXXXX<br> A |
| 409035188 |  |  | $XXXXXX<br> A |
| 409035587 |  |  | $XXXXXX<br> A |
| 409035608 |  |  | $XXXXXX<br> A |
| 409035592 |  |  | $XXXXXX<br> A |
| 409035572 |  |  | $XXXXXX<br> A |
| 409035602 |  |  | $XXXXXX<br> A |
| 409035575 |  |  | $XXXXXX<br> A |
| 409035590 |  |  | $XXXXXX<br> A |
| 409035603 |  |  | $XXXXXX<br> A<br> C |
| 409035585 |  |  | $XXXXXX<br> A |
| 409035579 |  |  | $XXXXXX<br> A |
| 409035580 |  |  | $XXXXXX<br> A |
| 409035582 |  |  | $XXXXXX<br> A |
| 409035594 |  |  | $XXXXXX<br> A<br> C |
| 409035606 |  |  | $XXXXXX<br> A<br> C |
| 409035593 |  |  | $XXXXXX<br> A<br> B |
| 409035573 |  |  | $XXXXXX<br> A |
| 409035598 |  |  | $XXXXXX<br> A |
| 409035578 |  |  | $XXXXXX<br> A |
| 409035609 |  |  | $XXXXXX<br> A |
| 409035576 |  |  | $XXXXXX<br> A |
| 409035599 |  |  | $XXXXXX<br> A |
| 409035595 |  |  | $XXXXXX<br> A |
| 409035604 |  |  | $XXXXXX<br> A |
| 409035584 |  |  | $XXXXXX<br> A |
| 409035589 |  |  | $XXXXXX<br> A |
| 409035583 |  |  | $XXXXXX<br> A |
| 409035577 |  |  | $XXXXXX<br> A<br> C |
| 409035605 |  |  | $XXXXXX<br> A<br> B |
| 409035601 |  |  | $XXXXXX<br> A<br> C |
| 409035588 |  |  | $XXXXXX<br> A |
| 409035117 |  |  | $XXXXXX<br> A |
| 409035134 |  |  | $XXXXXX<br> B<br> C<br> A |
| 409035135 |  |  | $XXXXXX<br> A<br> C |
| 409035136 |  |  | $XXXXXX<br> A |
| 409035139 |  |  | $XXXXXX<br> A |
| 409035147 |  |  | $XXXXXX<br> D<br> A |
| 409035148 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409035150 |  |  | $XXXXXX<br> A |
| 409035152 |  |  | $XXXXXX<br> A |
| 409035155 |  |  | $XXXXXX<br> A |
| 409035156 |  |  | $XXXXXX<br> A |
| 409035158 |  |  | $XXXXXX<br> A<br> C<br> B |
| 409035161 |  |  | $XXXXXX<br> A<br> C |
| 409035164 |  |  | $XXXXXX<br> A |
| 409035168 |  |  | $XXXXXX<br> A |
| 409035171 |  |  | $XXXXXX<br> A |
| 409035172 |  |  | $XXXXXX<br> A |
| 409035174 |  |  | $XXXXXX<br> D<br> A |
| 409035177 |  |  | $XXXXXX<br> A |
| 409035178 |  |  | $XXXXXX<br> A |
| 409035179 |  |  | $XXXXXX<br> A<br> B |
| 409035180 |  |  | $XXXXXX<br> C<br> A |
| 409035181 |  |  | $XXXXXX<br> C<br> A |
| 409035182 |  |  | $XXXXXX<br> A |
| 409035185 |  |  | $XXXXXX<br> C<br> A |
| 409035186 |  |  | $XXXXXX<br> A |
| 409035586 |  |  | $XXXXXX<br> D<br> A |
| 409035600 |  |  | $XXXXXX<br> A |
| 409035597 |  |  | $XXXXXX<br> D<br> A |
| 409035596 |  |  | $XXXXXX<br> A |
| 409035574 |  |  | $XXXXXX<br> A |
| 409035581 |  |  | $XXXXXX<br> A |
| 409035591 |  |  | $XXXXXX<br> A<br> C |
| 409035607 |  |  | $XXXXXX<br> A |
| 409037606 |  |  | $XXXXXX<br> A<br> C<br> B |
| 118040 |  |  | $XXXXXX<br> C<br> A |
| 409031398 |  |  | $XXXXXX<br> A<br> C |
| 409035129 |  |  | $XXXXXX<br> A |

---

## Exhibit 99.13

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 409018720 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025121 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409031310 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031312 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 409031330 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409031335 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031475 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409031454 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031455 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0227 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0227 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409031380 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409031381 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 409031382 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409031384 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0402 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0402 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409031390 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409031420 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031440 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031427 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031431 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031443 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409031316 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 409031326 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409031328 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409031331 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409031334 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031344 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031354 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 409031356 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031358 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409031360 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409031445 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031395 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409031460 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409031397 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409031400 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031401 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031402 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031403 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031405 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409031407 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031463 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031411 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031416 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409031421 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031428 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409031467 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409031432 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 409031318 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031367 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031469 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409031386 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409031394 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409031396 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409031399 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 409031409 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409031412 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 409031464 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409031422 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0682 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0682 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 409031423 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031424 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409031425 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409031426 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409031429 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409031437 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409031438 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409035122 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409035141 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409035159 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 409035113 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 409035114 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035115 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035116 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 999 |  |
| 409035119 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 409035120 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409035121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035123 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409035126 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409035128 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409035130 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035133 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409035137 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409035140 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409035142 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409035144 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409035145 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035149 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409035151 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409035153 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409035154 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0372 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0372 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409035157 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 409035189 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409035160 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409035162 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409035165 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409035167 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 409035191 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409035169 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409035173 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409035190 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035175 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409035176 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035183 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035184 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035188 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035587 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409035608 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409035592 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 409035572 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409035602 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409035575 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035590 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 409035603 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409035585 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409035579 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035580 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409035582 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409035594 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 409035606 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409035593 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 409035573 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 409035598 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409035578 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409035609 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409035576 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 409035599 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 409035595 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035604 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409035584 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 409035589 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409035583 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409035577 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035605 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409035601 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035588 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 409035117 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409035134 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409035135 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409035136 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409035139 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035147 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409035148 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035150 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409035152 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409035155 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409035156 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 409035158 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409035161 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409035164 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035168 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035171 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409035172 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 409035174 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409035177 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409035178 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 409035179 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409035180 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409035181 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035182 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035185 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409035186 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409035586 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035600 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409035597 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409035596 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409035574 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409035581 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409035591 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409035607 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409037606 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 118040 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409031398 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409035129 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.14

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 409018720 | XXXXX |  | XXX | Cash out Include Debt Paid at Close <br>| finalCdDetailPage | XXX | XXX | The borrower was receiving cash back at closing and paying off a HELOC. |
| 409018720 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The subject propety is a XXX per appraisal data. |
| 409018720 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The final CD does not reflect any escrows were collected. |
| 409031330 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409031443 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409031356 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409031402 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409031463 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409031396 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Transaction is XXX of primary home per final CD pg. XXX |
| 409035121 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035153 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035154 |  |  | XXX | Property Type | propertyValuationPage <br>| XXX | XXX | PUD rider confirms subject property is a part of a planned unit development known as XXX (the "PUD"). |
| 409035585 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035609 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035576 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035584 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035150 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |
| 409035596 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transactio confirmed by approval docs, appraisal, and final CD. |

---

## Exhibit 99.15

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 409018720 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) <br>| XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 6 | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No |  |
| 409025121 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031310 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031312 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Retired |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031330 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031335 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031475 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 49.00 | 51.00 |  |  | No | No | 0 | No |  | 1 | 1 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  | XXX |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031454 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031455 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 6 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031380 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031381 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | No |  | 1 | 1 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031382 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 86 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031384 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031390 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 48 | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031420 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 51.00 |  |  |  | Yes | No | 2 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031440 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 164 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031427 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Retired | Employed |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031431 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031443 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 56 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031316 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031326 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031328 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031331 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031334 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 6 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 46.39 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031344 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031354 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031356 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031358 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 1 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031360 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031445 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031395 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031460 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031397 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031400 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031401 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031402 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 64 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031403 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031405 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031407 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | Yes | No | 19 | Yes | 5 | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031463 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 15 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031411 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031416 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031421 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Not Employed | Self-Employed |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | 100.00 |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031428 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031467 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031432 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031318 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031367 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031469 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 177 | 0 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031386 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031394 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Unknown | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031396 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031399 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031409 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031412 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031464 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031422 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 4 | XXX |  | XXXXX | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | Retired | Self-Employed | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 5 - Stated, 2YRs Verified + CPA Letter | 5 - Stated, 2YRs Verified + CPA Letter | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | No | No | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 |  |  | No | No | 0 | No |  | 0 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX | 4 - Verified 2+ Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031423 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 222 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031424 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031425 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031426 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031429 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 74 | 2 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031437 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 0.69 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031438 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035122 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 50.00 |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035141 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035159 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035113 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 32 | 2 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035114 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035115 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035116 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 8 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035119 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035120 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035121 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 195 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035123 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035126 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035128 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035130 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 90.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035133 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035137 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Not Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035140 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035142 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 39 | 0 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 409035144 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 6 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 1 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035145 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 112 | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035149 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 |  |  | No | No | 0 | No |  | 2 | 1 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035151 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 1 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035153 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035154 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 1 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 24 | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035157 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035189 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035160 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 50.00 |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035162 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | No |  | 0 | 2 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035165 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035167 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035191 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Retired | Retired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035169 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035173 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 25.00 | 100.00 |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035190 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035175 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035176 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035183 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035184 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 146 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035188 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035587 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035608 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035592 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035572 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 7 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035602 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 79 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 409035575 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035590 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035603 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035585 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 60 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035579 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035580 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035582 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 6 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035594 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 228 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035606 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 |  |  | Yes | No | 117 | Yes | 117 | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035593 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035573 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035598 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 100.00 |  |  | No | No | 0 | No |  | 0 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035578 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 1 | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035609 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 2 | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 409035576 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 26 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035599 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | 100.00 |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035595 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035604 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 50.00 |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035584 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035589 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035583 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 25.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035577 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035605 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 6 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035601 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035588 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 222 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035117 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | Yes | 149 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035134 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035135 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035136 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035139 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035147 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035148 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 1 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035150 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | Yes | 2 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035152 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035155 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035156 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 146 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035158 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035161 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | 100.00 |  |  | Yes | No | 24 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035164 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035168 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Self-Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035171 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | Yes | No | 12 | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035172 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Retired |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 | N/A | No | XXX |
| 409035174 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 1 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 99 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035177 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Not Employed | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 0 | Yes | 121 | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035178 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 63 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035179 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035180 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 145 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035181 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035182 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035185 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Not Employed | Retired | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035186 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035586 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 3 | XXX |  | XXXXX | XXX |  | XXX | XXX |  | XXX |  |  |  | Employed | Self-Employed | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | No | Yes | Yes |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | 100.00 |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX | 3 - Verified<2Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035600 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035597 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 2 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035596 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 3 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | Yes | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 50.00 | 50.00 |  |  | No | No | 0 | Yes | 34 | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035574 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035581 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX | N/A | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035591 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  |  |  |  | Employed | Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | Yes |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 247 | 2 | 2 | No | 3 | 3 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035607 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409037606 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 5 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | Yes | 5 | Business | 100.00 |  |  |  | 100.00 |  | Borrower Prepared | 9 | No | No | 0 | No |  | 1 | 0 | No | 2 | 2 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 118040 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX | XXX | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Self-Employed | Self-Employed | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | 100.00 | 50.00 | Borrower Prepared | 4 | Yes | No | 12 | Yes | 116 | 2 | 2 | No | 2 | 2 | 2 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409031398 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 6 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 1 | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | Self-Employed |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | 7.99 |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 1 | 1 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 409035129 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XXX |  | 4 | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | 2 | XXX |  | XXXXX | XXX |  | XXX |  |  |  |  |  |  | Not Employed | Employed |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | No | No |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 276 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | No |  |  |  | No |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | 1 | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.16

![](logo_opus.jpg)

SEMT 2026-2

Redwood Trust, Inc.

Opus Capital Markets Consultants, LLC

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

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### Executive Narrative

#### January 26, 2026

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Redwood Trust, Inc.

The report summarizes the results of a due diligence review performed on a pool of 2 loans provided by Redwood Trust, Inc. ("Client") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains two (2) QM: Safe Harbor APOR credit and compliance loans and were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

(Scope of Work)

#### Credit Review
Credit Qualification

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;g) **Condo Eligibility:** Condo Questionnaire; Confirm Condo Master Policy is present and adheres to Fannie Mae Guidelines, including confirmation of the
 following: \* No more than 15% of units are in default, \* No more than 20% of units are rentals, \* Builder has sold at least 80% of the Condominium Project.

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

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

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

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

#### Document Review

**Document Review**<br>

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

a) Collateral Docs

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

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

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

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

b) Closing Docs

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

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

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

------

<br> • Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

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

**c) Credit Docs**<br>

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

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

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

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

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

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

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

<br> • Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

#### Regulatory Compliance

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

&nbsp;&nbsp;&nbsp;&nbsp;1. The "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending Act
 ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part

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

------

1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, as set forth below:<br>

<br> a. For Right of Rescission

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

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

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

<br> b. For TILs (Application Dates prior to 10/3/2015)

<br> i. <br> Confirm the initial TIL disclosure and final TIL disclosures were provided.

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

<br> c. For TRID Disclosures (Application Dates on or after 10/3/2015)

<br> i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days ofapplication and seven (7) business days prior to consummation in accordance withClient's Underwriting Guidelines;

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

<br> iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at leastthree (3) business days prior to consummation;

<br> iv. Review the required sections of each CD to ensure they were populated in accordancewith the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days ofloan consummation.)

&nbsp;&nbsp;&nbsp;&nbsp;2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended
 by the TRID Rule;

&nbsp;&nbsp;&nbsp;&nbsp;3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the
 Price You Pay for Credit, or Notice to Home Loan Applicant;

&nbsp;&nbsp;&nbsp;&nbsp;5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R.
 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the
 Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In
 accordance with "Ability to Repay and Qualified Mortgage Review" description below;

&nbsp;&nbsp;&nbsp;&nbsp;6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

&nbsp;&nbsp;&nbsp;&nbsp;7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;<br>

&nbsp;&nbsp;&nbsp;&nbsp;8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12
 C.F.R. 1002.14, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

------

&nbsp;&nbsp;&nbsp;&nbsp;10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate
 so-called "predatory lending":

&nbsp;&nbsp;&nbsp;&nbsp;12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal
 Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

&nbsp;&nbsp;&nbsp;&nbsp;13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or
 business purposes, including, but not limited to a business purpose certification.

&nbsp;&nbsp;&nbsp;&nbsp;14. Documentation. Review of the following documents for regulatory compliance:

<br> a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

<br> i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

<br> A. HUD-1 is marked Final;

<br> i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

<br> ii. There should be no markings indicating that the HUD-1 is estimated.

<br> B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

<br> C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

<br> b. Final Truth in Lending Disclosure ("TIL"), if applicable

<br> c. Loan Estimate, if applicable

i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

<br> d. Closing Disclosure, if applicable

i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

<br> e. Notice of Right to Cancel (if applicable)

<br> f. Initial TIL, if applicable

<br> g. Good Faith Estimate ("GFE"), if applicable

<br> h. Note

<br> i. Mortgage/Deed of Trust

<br> j. FACTA disclosures

<br> k. Third Party Fees

<br> i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

<br> iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

------

#### Ability to Repay and Qualified Mortgage Review

&nbsp;&nbsp;&nbsp;&nbsp;1.  **<u>For Agency Eligible Loans Only</u>** :
 Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM,
 Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation.
 Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable
 presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
 and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or
 insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i)
 below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

&nbsp;&nbsp;&nbsp;&nbsp;3.  **<u>For Non-Agency Eligible Loans</u>** :
 Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

a. <u>Qualified Mortgage</u>:

i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

<br> 1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

<br> 2. Current employment status

<br> 3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

<br> 4. Monthly payment on any simultaneous loans secured by the subject property.

<br> 5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent.

<br> 6. Debts, alimony, and child support obligations

<br> 7. Monthly debt-to-income ratio or residual income

<br> 8. Credit history

<br> ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

**a)** **Regulatory Compliance Disclaimer** 

------

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

#### Additional Disclosures and Requirements:

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

<br> • Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> o Confirm the presence of the Servicing Transfer Disclosure form in file

<br> o Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

<br> • Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> o Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> • Affiliated Business Disclosure

<br> o Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services) |

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<br> o Confirm the Affiliated Business Disclosure is executed.

<br> • Initial Escrow Disclosure Statement

<br> o Confirm the presence of the Initial Escrow Disclosure Statement in file

<br> o Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

#### Equal Credit Opportunity Act (Regulation B)

<br> • Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

• Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

• For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

#### Fair Credit Report Act (Regulation V)
• Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

<br> • Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**<br>

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

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

<br> • California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

<br> • California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

<br> • Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

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<br> • Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

<br> • District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

<br> • Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

<br> • 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).

<br> • Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

<br> • Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

<br> • Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

<br> • 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.

<br> • Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

<br> • Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

<br> • Kansas Consumer Credit Code

<br> • Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

<br> • Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

<br> • Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

<br> • Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12-409.1; 12-1029.

<br> • 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.

<br> • Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

<br> • Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

<br> • Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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<br> • Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

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

<br> • Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

<br> • Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

<br> • Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

<br> • New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

<br> • New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

<br> • New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

<br> • New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

<br> • New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

<br> • Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

<br> • City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

<br> • Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

<br> • Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

<br> • Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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<br> • City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

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

<br> • Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

<br> • Section 50(a)(6), Article XVI of the Texas Constitution

<br> • Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

<br> • 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.

<br> • Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

<br> • Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

<br> • Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

<br> • Washington House Bill 2770, Mortgage Lending Ownership

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

<br> • Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

<br> • Wyoming Credit Code

#### Flood Insurance Testing

#### National Flood Insurance Program (NFIP)
Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

#### Homeowner's Flood Affordability Act (HFIAA)
Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

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Frequency – Payable with same frequency as payments designated for the loans

Exceptions

<br> • Loan is an extension of credit primarily for business, commercial or agricultural purposes

<br> • Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

<br> • Flood Insurance coverage for the residential real estate is provided by a policy that

<br> a. Meets requirements

<br> b. Provided by a condominium association, cooperative or other applicable group and

<br> c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**<br>

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

<br> • Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

<br> • Alerts: Assess credit report alerts for accuracy and potential issues.

<br> • Social Security Numbers: Compare SSN(s) across all file documents.

<br> • Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

<br> • Data Consistency: Review the documents contained in the loan file for consistency of data.

• Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed. If a third party fraud tool is not provided, the Consultant will order a third party fraud tool and cost will be passed through as noted in Exhibit T 

#### Independent Third-Party Values
Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

<br> • Property is complete

<br> • Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of

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<br>the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

<br> • Property is described in average or better condition

<br> • No apparent appraiser independence violation statements

<br> • Appraisal addresses any adverse comments

<br> • Appraisal is completed on appropriate GSE Forms

<br> • Appraisal contains required attachments.

<br> • Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor does not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

• The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

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

<br> • Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

<br> • Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

#### Properties in FEMA declared disaster zones.
If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

<br> • No apparent damage to the property

<br> • Property appears to be occupied

**Data Compare**<br>

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

<br> • Appraised Value

<br> • CLTV

<br> • DTI

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<br> • FICO

<br> • Interest Only

<br> • Interest Rate

<br> • Loan Term

<br> • Loan Purpose

<br> • LTV

<br> • Occupancy

<br> • Original Balance

<br> • Property Address

<br> • Property City

<br> • Property State

<br> • Property Type

<br> • Sales Price

• Second Mortgage Lien Amount

<br> • Self Employed

<br> • Units

<br> • Zip Code

<br> • Loan Type

<br> • QM Status

**Rating Agency Grading Criteria**<br>

#### Fitch Ratings Grading Criteria
Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

#### Moody's Investor Services Grading Criteria
Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

#### Kroll Bond Rating Agency LLC Grading Criteria
Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

#### S&P Global Ratings Grading Criteria
Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the

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application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

#### DBRS Morningstar Grading Criteria
Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**<br>

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades**<br>

<br> • Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> • Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

<br> • Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.<br>

**Opus Property Grades**<br>

• Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

• Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

• Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation. 

**Opus Compliance Grades**<br>

<br> • Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

• Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

<br> • Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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**REDACTED INFORMATION**<br>

<br> • Borrower Name

<br> • Co-Borrower Name

<br> • SSNs

<br> • Property Address, City, County, MSA, Zip

<br> • Mailing Address

<br> • Account Number, including Originator and Servicer Loan Number

<br> • Origination Date

<br> • Names of Borrowers or any other Individuals

<br> • Company and Entity Names

<br> • Financial Institution Names

<br> • Job Position Titles

<br> • Any Address

<br> • Any Location Information (other than state), including City, County, MSA and Zip

<br> • Account Numbers of any type

<br> • Insurance Claim Numbers

<br> • Insurance Policy Numbers

<br> • Foreclosure Action dates and Case Numbers

<br> • Bankruptcy Action dates and Case Numbers

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

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### Pool Details

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| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 2 | 100.00% |
| Conforming-GSE Eligible | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

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---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 5.000 - 5.499 | 0 | 0.00% |
| 5.500 - 5.999 | 0 | 0.00% |
| 6.000 - 6.499 | 1 | 50.00% |
| 6.500 - 6.999 | 1 | 50.00% |
| 7.000 - 7.499 | 0 | 0.00% |
| 7.500 - 7.999 | 0 | 0.00% |
| 8.000 - 8.499 | 0 | 0.00% |
| 8.500 - 8.999 | 0 | 0.00% |
| 9.000 - 9.499 | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 0 | 0.00% |
| Purchase | 2 | 100.00% |
| Rate / Term Refi | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 0 | 0.00% |
| 20.01-30.00 | 0 | 0.00% |
| 30.01-40.00 | 1 | 50.00% |
| 40.01-45.00 | 1 | 50.00% |
| 45.01-50.00 | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| QM/Non-HPML | 0 | 0.00% |
| QM: Safe Harbor APOR | 2 | 100.00% |
| QM/HPML | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 2 | 100.00% |
| ARM | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 2 | 100.00% |
| Second Home | 0 | 0.00% |
| Investment Property | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| Single Family Detached | 1 | 50.00% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 0 | 0.00% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 1 | 50.00% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; % of Pool |
| &nbsp;&nbsp; 0.00-30.00 | 0 | 0.00% |
| 30.01-40.00 | 0 | 0.00% |
| 40.01-50.00 | 0 | 0.00% |
| 50.01-60.00 | 0 | 0.00% |
| 60.01-70.00 | 0 | 0.00% |
| 70.01-80.00 | 2 | 100.00% |
| 80.01-90.00 | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

------

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

### Tape Discrepancies

No Discrepancies noted.

### Loan Grading Definitions

#### Credit

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

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#### Compliance

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

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------

---

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

---

#### Property Valuation

---

| | |
|:---|:---|
| Moody's | Definition |
| A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

------

### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 23, 2026.

#### Overall Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Credit Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Property Grade Summary

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 1 | 50.00% |
| B | 1 | 50.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Credit Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Property Grade Summary

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **# of**<br> **Loans** | &nbsp;&nbsp;&nbsp;&nbsp; **% of**<br> **Loans** |
| A | 1 | 50.00% |
| B | 1 | 50.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

### Loans Reviewed (2)

123456780

123456789

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

## Exhibit 99.17

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **ALT ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXX | XXXX | 123456789 | XXXX | Closed | 2025-11-04 08:16 | 2025-11-19 11:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Permanent Resident Alien Card (Borrower 1) | Resolved- - Due Diligence Vendor-11/19/2025 <br> Resolved- - Due Diligence Vendor-11/19/2025 <br> Resolved-Received Front & Back of Permanent Resident Alien Card - Expires 02/08/2031. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-11/19/2025 <br> Open-Documentation received, XXX to review. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open-Missing Permanent Resident Alien Card for Borrower 1 - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Front & Back of Permanent Resident Alien Card - Expires 02/08/2031. Finding Resolved. - Due Diligence Vendor-11/19/2025<br>| XXXXXXXXX_docs.pdf | B2 Years On Job - 5.65 yrs at current employer for B2<br>Qualifying Credit Score Exceeds Minimum Required - 700 Credit Score exceed 660 Guideline minimum |  | XX | Primary Residence | Purchase<br> NA | 6112701 | N/A | N/A |
| XXXXXX | XXXX | 123456789 | XXXX | Closed | 2025-11-04 08:17 | 2025-11-19 11:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Permanent Resident Alien Card (Borrower 2) | Resolved- - Due Diligence Vendor-11/19/2025 <br> Resolved- - Due Diligence Vendor-11/19/2025 <br> Resolved-Received Front & Back of Permanent Resident Alien Card - Expires 02/08/2031. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open-Documentation received, XXX to review. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open-Missing Borrower 2 permanent resident alien card - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Front & Back of Permanent Resident Alien Card - Expires 02/08/2031. Finding Resolved. - Due Diligence Vendor-11/19/2025<br>| XXXXXXXXX_docs.pdf | B2 Years On Job - 5.65 yrs at current employer for B2<br>Qualifying Credit Score Exceeds Minimum Required - 700 Credit Score exceed 660 Guideline minimum |  | XX | Primary Residence | Purchase<br> NA | 6112714 | N/A | N/A |
| XXXXXX | XXXX | 123456780 | XXXX | Closed | 2025-11-05 12:06 | 2025-12-19 06:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/19/2025 <br> Acknowledged- - Due Diligence Vendor-11/07/2025 <br> Acknowledged- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/06/2025 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/19/2025<br>|  | Mortgage History 0x30 - Credit report reflects 0x30 current mtg history for 34 mths <br>Months Reserves exceed minimum required - 55.66 mths PITI reserves exceed 9 mth minimum<br>Qualifying Credit Score Exceeds Minimum Required - 787 Credit Score exceeds the 660 Guideline minimum |  | XX | Primary Residence | Purchase<br> NA | 6140251 | Investor Post-Close | No |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 123456789 | XXXX | $XXXXXXX<br> D<br> A |
| XXXX | 123456780 | XXXX | $XXXXXXX<br> A<br> B |

---

------

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 123456789 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) <br>| QM: Safe Harbor APOR (APOR SH) <br>| No |  | No | No | No | No | No | No | No | No | No | No | No | 9243.24 | 6.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 123456780 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1500.0 | 6.395 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |  |

---

------

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 123456789 | XXXX | Jumbo AUS | Jumbo AUS | XXXXXX | No | XXXX | XXXXXX | XX/XX/XXXX | 2.2 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | $9243.24 | 07/30/2025 | 6.750% | DU | Approve Ineligible | No | 6.983% |  | 6.875% | 6.875% | $7016.00 | No |  | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $8779.43 | $XXXXXX | N/A | XXXXXXX<br> GA | $XXXXXX | XX/XX/XXXX | Monthly | 40.79% | 40.79% | 40.79% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | Yes | 31 | 31 | Work Number | Yes | 14 | 14 | Work Number | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card  |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $XXXXXX | 16.1 | $XXXXXX | 16.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 123456780 | XXXX | Jumbo AUS | Jumbo AUS | XXXXXX | No | XXXX | XXXXXX | XX/XX/XXXX | 2.2 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | $1500.00 | 09/15/2025 | 6.320% | DU | Approve Ineligible | No | 6.395% |  | 6.375% | 6.375% | $8734.18 | No |  | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $10206.03 | $XXXXXX | N/A |  | $0.00 |  |  | 31.99% | 31.99% | 31.99% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0<br> NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 79 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $XXXXXX | 55.7 | $XXXXXX | 55.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 123456789 | XXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXX | 123456780 | XXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | No Discrepancies |  |  |  |  |  |  |  |

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