# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-045438
**Filing Date:** 2026-2
**Character Count:** 1984601
**Document Hash:** 974a7e3e18b14b0936308b04eb2080f3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-045438.hdr.sgml**: 20260211

**ACCESSION NUMBER**: 0001193125-26-045438

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

**PUBLIC DOCUMENT COUNT**: 17

**CONFORMED PERIOD OF REPORT**: 20260211

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

**FILED AS OF DATE**: 20260211

**DATE AS OF CHANGE**: 20260211

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 26618234

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361

**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<u> </u> to<u> </u>** <br>

**Date of Report (Date of earliest event reported)** 

**Commission File Number of securitizer:<u> </u>** 

**Central Index Key Number of securitizer:** 

**Name and telephone number, including area code, of the person to** 

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2026-J2
**(Exact name of issuing entity as specified in its charter)** 

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

**Chris White** 

**(805) 530-5829** 

**Name and telephone number, including area code, of the person to** 

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d52231dex991.htm) |
| 99.2 | [Clayton Conditions Report](d52231dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d52231dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d52231dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d52231dex995.htm) |
| 99.6 | [Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Executive Summary](d52231dex996.htm) |
| 99.7 | [Consolidated Analytics Exception Grades Report](d52231dex997.htm) |
| 99.8 | [Consolidated Analytics Data Compare Report](d52231dex998.htm) |
| 99.9 | [Consolidated Analytics Grading Summary Report](d52231dex999.htm) |
| 99.1 | [Consolidated Analytics ATR QM Report](d52231dex9910.htm) |
| 99.11 | [Consolidated Analytics Valuations Summary Report](d52231dex9911.htm) |

---

------

**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.

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | February 11, 2026 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT** 

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![LOGO](g52231g0210012336541.jpg)

![LOGO](g52231g0210012335114.jpg)

![LOGO](g52231g0210012335796.jpg)

**February 4, 2026**<br>**Due Diligence Narrative Report**<br>

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![LOGO](g52231g0210012336541.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *7* | |
|  **Data Compare Results** |  | **7** |  |
|  **Clayton Due Diligence Results** |  | **8** |  |
|  **Clayton Third Party Reports Delivered** |  | **9** |  |
|  **Appendix A: Credit Review Scope** |  | **10** |  |
|  **Appendix B: Origination Appraisal Assessment** |  | **13** |  |
|  **Appendix C: Regulatory Compliance Review Scope** |  | **16** |  |

---

PMT Loan Trust 2026-J2 Page \| 1 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Chris Turk** Senior Client Service Manager

Phone: (813) 472-6509/E-mail: <u>Cturk@clayton.com</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Joe Ozment** Vice President – Client Services & Securitization

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 50 residential loans selected for the PMT Loan Trust 2026-J2 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between December 2025 and January 2026. 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 | 3 | 6.00% |
|  Correspondent Bulk | 41 | 82.00% |
|  Correspondent Flow with delegated underwriting | 6 | 12.00% |
|  **Total** | **50** | **100.00%** |

---

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, 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."

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

PMT Loan Trust 2026-J2 Page \| 2 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 50 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Full Review** | 50 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Loan Population** | 50 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to the Agency Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all of the changes to the guidelines with advance notice.

**LOAN GRADING** 

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 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 waivers. The compliance exception report lists all exceptions within a loan.

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

![LOGO](g52231g0210012335999.jpg)

PMT Loan Trust 2026-J2 Page \| 3 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**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

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):

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evaluated evidence of borrower's willingness and ability to repay the obligation;

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Original Appraisal Assessment (50 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete,
thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For more detail on the original appraisal review scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (50 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when
compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CU/LCA Score of 2.5 or below

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automated Valuation Model/Desk Review/BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Field Review/2055 Drive-by

For further detail please refer to the PMTLT 2026-J2 Valuations Summary Report

PMT Loan Trust 2026-J2 Page \| 4 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

REGULATORY COMPLIANCE REVIEW

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to Appendix C 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty
provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Truth-in-lending/regulation Z
(TILA) testing included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notice of Right to Cancel (Right of Rescission) adherence if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure Timing (3/7/3) and disclosure content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL APR and Finance charge tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Timeliness of ARM Disclosures (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 32 APR and Points and Fees Thresholds and prohibited practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing
Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after
1/10/2014. 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. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with
either their guidelines or the Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepayment Penalty restrictions.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE initial disclosure timing and content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed the file contains the final HUD1 Settlement Statement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE to HUD1 evaluation for 0% and 10% fee tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure if applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure
Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an

PMT Loan Trust 2026-J2 Page \| 5 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

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 SFIG 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. <br>

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

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-Owner Occupied Scope: Most consumer protection laws are designed to
afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the
borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at
least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Escrow of insurance payments

**DATA INTEGRITY** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored.

PMT Loan Trust 2026-J2 Page \| 6 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**DATA CAPTURE** 

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. 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 COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy%** |
|  Appraisal Form Type | 2 | 96.00% |
|  Borrower 1 Self Employed Flag | 1 | 98.00% |
|  Borrower 1 Total Income | 2 | 96.00% |
|  Cash Reserves | 35 | 30.00% |
|  Credit Report Date | 2 | 96.00% |
|  Debt to Income Ratio (Back) | 3 | 94.00% |
|  Min Number | 25 | 50.00% |
|  Original Appraised Value | 1 | 98.00% |
|  Origination Channel | 3 | 94.00% |
|  Property Type | 1 | 98.00% |
|  Total Monthly Income | 1 | 98.00% |

---

PMT Loan Trust 2026-J2 Page \| 7 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**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** 

<u>Loan Pool (50 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 20 |  | 8 | 14 | **42** |
| **Final** | **B** |  | 3 | 5 |  | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **20** | **3** | **13** | **14** | **50** |

---

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** | 38 |  | 5 | 6 | **49** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **38** | **1** | **5** | **6** | **50** |

---

**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** | 43 |  | 2 | 5 | **50** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **43** | **0** | **2** | **5** | **50** |

---

**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** | 31 |  | 6 | 6 | **43** |
| **Final** | **B** |  | 2 | 5 |  | **7** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **31** | **2** | **11** | **6** | **50** |

---

PMT Loan Trust 2026-J2 Page \| 8 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. RA ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Standard Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Narrative Report

PMT Loan Trust 2026-J2 Page \| 9 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project
adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower eligibility, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Citizenship status

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transaction eligibility, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that
approved exceptions included required, documented compensating factors

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Uniform Residential Loan Application reviewed to determine:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial loan application was in the loan file and was signed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final loan application was in the loan file and was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment analyzed and verified through use of various documents, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verbal and/or written verifications of employments (VVOE, VOE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CPA letter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Business licenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax transcripts (IRS Form 4506-T)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Required income documentation for all borrowers was present and within required time period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Documents did not appear to have been altered or inconsistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared IRS tax transcripts to income documentation and noted any inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1099

PMT Lan Trust 2026-J2 Page \| 10 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and
within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Report review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete copy of report was in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Report was dated within required timeframe

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All borrowers were included in the report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Checked any fraud alerts against related loan file documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real
estate owned) for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title policy review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Leasehold estate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appropriate vestee(s) were listed on title policy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Amount of coverage was greater than or equal to the original principal amount of the mortgage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Applicable title endorsements were present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• HUD1 (Settlement Statement) review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Funds to close identified and analyzed against borrower's assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Seller contributions did not exceed maximum allowed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property, seller and borrower aligned with other loan documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disbursements and pay-offs included in debt ratio calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Hazard/Flood insurance review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified presence of required hazard insurance and flood insurance (if required)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct property

PMT Loan Trust 2026-J2 Page \| 11 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Life of loan, if flood insurance required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance minimum coverage amount and policy period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for evidence that any required insurance policy premium was paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Insurance review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined if mortgage insurance is required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured mortgage insurance name, certificate # and percentage guarantee (when required)

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.

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OFAC

PMT Loan Trust 2026-J2 Page \| 12 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report used standard GSE forms, appropriate to the property type:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report was reasonably complete and included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report form, certification, statement of limiting conditions and scope of work

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject loan transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the property type, in both land and improvements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1004MC Market Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for
all material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal date met supplied Sponsor Acquisition Criteria

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor
Acquisition Criteria

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title XI of FIRREA:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the
appraiser's license included in the appraisal.

PMT Loan Trust 2026-J2 Page \| 13 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a
risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• USPAP

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value was reasonably supported. Utilized the following review in making value supported determination:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were located reasonably close to the subject property and if not the reason was satisfactorily
explained

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably recent in transaction date and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably similar to the subject property and if not an explanation was supplied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points
in making determination:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all
material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property usage was reviewed for zoning compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property utilization was reviewed to determine it was "highest and best use"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Neighborhood values were reviewed to determine if declining

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Predominant occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Physical condition of the property was reviewed to determine that the property condition was average or better

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Style of property was reviewed to determine if unique property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any health and safety issues were noted and/or remediated

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Locational and/or environmental concerns adequately addressed if present

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

PMT Loan Trust 2026-J2 Page \| 14 February 4, 2026

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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.

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

F. Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that
Clayton may have reviewed valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the
actual value of the underlying property

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

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

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

PMT Loan Trust 2026-J2 Page \| 15 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**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.

**<u>Federal Law</u>**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

**B.** **Truth in Lending Act and Regulation Z** —Loan level analysis on the following:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material
disclosures, and the loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, 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. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA
prepayment penalty restrictions (Section 43)

PMT Loan Trust 2026-J2 Page \| 16 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

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

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, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG'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 SFIG 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.

**C.** **FACTA** – the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

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

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**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:

---

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

---

PMT Loan Trust 2026-J2 Page \| 17 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**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:

---

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

---

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**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.

---

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

---

PMT Loan Trust 2026-J2 Page \| 18 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage 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:

---

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

---

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:

**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.

**<u>GSE Testing</u>**

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.)

PMT Loan Trust 2026-J2 Page \| 19 February 4, 2026

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![LOGO](g52231g0210012336541.jpg)

**<u>Disclaimer</u>**

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

<sup>©</sup> 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.

PMT Loan Trust 2026-J2 Page \| 20 February 4, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2026-J2 Sec_J16584** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *50* |
| ***Loans with Conditions:*** | *30* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**2 - Total Active Conditions** | |
| **2 - Non-Material Conditions** | **2 - Non-Material Conditions** |
| 1 - Credit Review Scope | 1 - Credit Review Scope |
|  | 1 - Category: Terms/Guidelines |
| 1 - Compliance Review Scope | 1 - Compliance Review Scope |
|  | 1 - Category: RESPA |
| &nbsp;&nbsp;&nbsp;**41 - Total Satisfied Conditions** |  |
| 11 - Credit Review Scope | 11 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 5 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
| 8 - Property Valuations Review Scope | 8 - Property Valuations Review Scope |
|  | 7 - Category: Appraisal |
|  | 1 - Category: Property |
| 22 - Compliance Review Scope | 22 - Compliance Review Scope |
|  | 6 - Category: Ability to Repay/Qualified Mortgage |
|  | 16 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**0 - Total Waived Conditions** |  |

---

<sup>©</sup>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:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2026-J2 Sec_J16584** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *50* |
| ***Loans with Conditions:*** | *30* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees listed<br>on Seller CD but<br>not Borrower<br>final CD. As the<br>fees are at least<br>reflected there is<br>no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: b1 - 8 years in profession. CFCFS2860: Good credit history - Clayton Comments: No lates listed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 credit scores exceeds min FICO of 720 by 70 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 25%. |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | No | The Final 1003,<br>1008 and DTI in<br>AUS reflect an<br>additional<br>escrow of<br>$2,012.50/month<br>for the subject.<br>Provide<br>documentation<br>to verify what<br>this is. | 1/14/2026: Received<br>verification for<br>sanitation. | 1/14/2026:<br>Exception satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: b1 - 8 years in profession. CFCFS2860: Good credit history - Clayton Comments: No lates listed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 credit scores exceeds min FICO of 720 by 70 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is below 25%. |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of $838.10<br>due to Lender's<br>Title Insurance<br>fee increase on<br>LE XXX .<br>Provide a valid<br>Change of<br>Circumstance, or<br>Post Close CD,<br>LOX and copy<br>of refund check<br>to borrower with<br>proof of delivery<br>via tracking<br>methodwithin 60<br>days of<br>consummation. | 1.14.2026 - COC<br>provided | 1.14.2026 -<br>Exception satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has over 12 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned home for 7 years. |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Assets | Satisfied D A | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Missing<br>XXXXXX 401k<br>Second Quarter<br>statement dated<br>XXX - XXX, as<br>the XXX - XXX<br>statement is 122<br>days old as of<br>Note date. | 10/28/2025: Received<br>4/1/2024-6/30/2024<br>401K statement.<br>Need XXX-XXX<br>statement.12/17/2025:<br>Received 4/1/2024-<br>6/30/2024 401K<br>statement. Need<br>XXX-XXX<br>statement.1/14/2026:<br>Received XXX-<br>XXX8 stmnt. | 10/28/2025:<br>Exception<br>remains.12/17/2025:<br>Exception<br>remains.1/14/2026:<br>Exception satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower 1 has over 12 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned home for 7 years. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Credit/Mtg<br>History | Satisfied C A | CRDCRMH2416 | Questionable<br>factors on<br>credit report | No | B1 DOB is<br>XXXXXX, B2<br>DOB is<br>XXXXXX. The<br>oldest Trade was<br>opened<br>XXXXXX<br>XXXXXX and<br>closed in 2015,<br>under Individual<br>belonging to B2.<br>Verify the SS#<br>for B2 is valid. | 1/14/2026: Received<br>SS verification for<br>both borrowers as<br>valid. | 1/14/2026:<br>Exception satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has been employed in field 14 years, 1 month. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets of $175,366.55 or 12.89 months PITI exceeds the required PITI Reserves of $41,081.58. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are using 5% of the available unsecured debt limit. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Property<br>Valuations | Property | Satisfied C A | PRVAPROP177 | Property<br>Issues<br>Indicated | No | Appraisal shows<br>tenant occupied<br>and is verified<br>by Sales<br>Contract. The<br>Final CD shows<br>$8,320 Security<br>Deposit and<br>$8,320 last<br>month's rent<br>credited to<br>borrower<br>indicating<br>subject is an<br>Investment<br>Property.<br>Provide proof<br>the subject will<br>be vacated for<br>occupancy<br>within 60 days<br>of closing as a<br>primary<br>residence. | 1/14/2026: Received<br>docs and verification,<br>borrowers are<br>occupying subject. | 1/14/2026:<br>Exception satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets: $118,101.04Required Reserves: $42,998.82. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80.00% LTV below guideline requirements of 89.99% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 751 is 51 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months. |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero Tolerance<br>$3360.00. Discount<br>points fee. Change of<br>Circumstance, or Post<br>Close CD, LOX and a<br>copy of refund check to<br>borrower. | 1.14.2026 -<br>COC<br>provided | 1.14.2026<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds minimum 700. |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it<br>and/or Your<br>lender does not<br>offer one are<br>selected | No | None of the CD's (dated<br>XXX, XXX, and XXX)<br>indicate whether the lack<br>of Escrow was due to<br>Borrower declining it or<br>the Lender not offering<br>it. | 1.14.2026 -<br>Corrected<br>CD<br>provided | 1.14.2026 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 805 Median Credit Score, Oldest Trade 2/1998. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10.92yrs tenure with current self-employed business. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.91% LTV below maximum allowed guidelines 89.99%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 112 consecutive months mortgage payment history exceeds 24 month required guideline review. |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID4056 | TRID - CD:<br>The Total<br>Payment<br>Amount on the<br>Loan<br>Calculation<br>section of the<br>Final Closing<br>Disclosure is<br>less than the<br>Clayton<br>Calculated<br>Total Payment<br>Amount | No | Final CD XXX, Section:<br>Loan Calculation, Field:<br>Total of Payments, CD<br>Value: $4,317,520.77,<br>actual value:<br>$4,317,660.79.difference<br>of $140.02. $125 Notary<br>fee and $15.02<br>Recording Service fee<br>added on PCCD<br>9.23.2025.130(b) or (c)<br>cure: refund money to<br>borrower in the amount<br>understated, client<br>permission, LOX and<br>redisclosedCD. | 1.14.2026 -<br>Cure<br>provided | 1.14.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 5.167yrs tenure with current employer. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 2.5yrs tenure with current employer. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.29% DTI below maximum allowed 45% DTI. |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 789 is 89 points above minimum program requirement of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.33% is below the guideline maximum of 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.50%; guidelines allow 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $269263.88/34.76 PITIA which is greater than $23236.44 ($7745.48 x 3) reserves required. |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Recording fees increase<br>of $11.75 above<br>tolerance, increased with<br>no valid COC. Provide<br>proof of refund, revised<br>ClosingDisclosure, COC<br>explaining changes<br>within 60 days of<br>discovery with proof of<br>delivery via shipping<br>method thatincludes<br>tracking information. | 1.14.2026 -<br>COC<br>provided | 1.14.2026 -<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $1,799,685.49 - $21,396.00 LP findings requiredreserves - $27,612.30 3 months reserves per guidelines = $1,750,677.19/$26,834.74PITI on all properties owned = 65.24 additional months reserves on all properties. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been self-employed for 15 years 9 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.46% and guidelines allow the DTI to be 50%. |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Score is > 2.5.<br>Clayton to order AVM. | 12/18/2025:<br>Received<br>AVM<br>supporting<br>value. | 12/18/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-Closing Assets: $1,799,685.49 - $21,396.00 LP findings requiredreserves - $27,612.30 3 months reserves per guidelines = $1,750,677.19/$26,834.74PITI on all properties owned = 65.24 additional months reserves on all properties. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been self-employed for 15 years 9 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 24.46% and guidelines allow the DTI to be 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller<br>CD not in file;<br>need in order<br>to complete fee<br>entry | No | Missing<br>Seller CD. | 1.14.2026<br>- Seller<br>CD<br>provided | 1.14.2026<br>-<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 23.1 years in same line of work/profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 816 FICO score. Min. required 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $99,080.29 > min. requirement of $28,375.68 (3 mos. PITIA) |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: the borrowers have sufficient reserves to fully repay the loan. None are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 807, minimum 700 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>proof of<br>200 day<br>Moving<br>Average of<br>XXXXXX<br>stock price<br>to support<br>RSU<br>earnings of<br>$13,031.00<br>used to<br>qualify.<br>Document<br>located in<br>file does<br>not reflect<br>the 200<br>day<br>Moving<br>Average<br>price. | 1/14/2026:<br>Received<br>200 day<br>price for<br>stock. | 1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 80.00% below program 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $980,089.04 exceeds required reserves $37,451.82. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit sore 751 above program requirement 720. |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing<br>proof of<br>200 day<br>Moving<br>Average of<br>XXXXXX<br>stock price<br>to support<br>RSU<br>earnings of<br>$13,031.00<br>used to<br>qualify.<br>Document<br>located in<br>file does<br>not reflect<br>the 200<br>day<br>Moving<br>Average<br>price. | 1/14/2026:<br>Received<br>200 day<br>price for<br>stock. | 1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 80.00% below program 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $980,089.04 exceeds required reserves $37,451.82. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit sore 751 above program requirement 720. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD:<br>The CD<br>Projected<br>Payments<br>section and the<br>CD Loan<br>Disclosures<br>section are not<br>consistent in<br>regards to<br>whether or not<br>an escrow<br>account will be<br>established | No | Provide<br>PCCD<br>with<br>correction<br>to Loan<br>Disclosure-<br>Escrow<br>Account<br>reflecting<br>declined<br>escrow<br>account. | 1.19.2026<br>- PCCD<br>with<br>corrected<br>loan<br>disclosure<br>section<br>received. | 1.19.2026<br>-<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $4,852,175.33 or 398.90 months PITI reserves. Required $36,516.60 or 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80%. Max 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In<br>the CD Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null | No | Provide<br>PCCD<br>with<br>correction<br>to Loan<br>Disclosure-<br>Escrow<br>Account<br>reflecting<br>declined<br>escrow<br>account. | 1.19.2026<br>- PCCD<br>with<br>corrected<br>loan<br>disclosure<br>section<br>received. | 1.19.2026<br>-<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $4,852,175.33 or 398.90 months PITI reserves. Required $36,516.60 or 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80%. Max 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 727. Minimum required 700. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>XXXXXX<br>Trust Account

#XXX<br>statement in<br>the amount of<br>$400,000 has<br>not been<br>uploaded by<br>the Lender.<br>(File also has<br>a 10/20/2025<br>Wire receipt<br>to Title for<br>$329,453.44<br>not sourced). | 1/14/2026:<br>Received a<br>letter from<br>XXXXXX<br>Trustee -<br>verifying B1<br>was<br>approved for<br>a one time<br>discretionary<br>distribution<br>of $400K<br>for purchase<br>of new<br>home. | 1/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 776 > 76 points of minimum guideline requirements of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 89.99% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.97% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Clayton status<br>of ATR Risk:<br>Non-QM -<br>Lender did not<br>document all<br>ATR UW<br>factors<br>resulting from<br>Loan DTI of<br>50.71% (due<br>to total<br>obligations of<br>$15,491.56<br>and total<br>income of<br>$30,547.99.)<br>is more than<br>3% above the<br>approved DTI<br>of 45.92% on<br>DU #3.<br>Variance due<br>to student loan<br>payments,<br>lender used<br>0.5% of the<br>loan balance<br>instead of the<br>FNMA<br>required 1%<br>fordeferred<br>student loans.<br>No<br>documentation<br>was provided<br>in the loan file<br>to document a<br>lower<br>payment<br>amount. | 1/30/2026:<br>Received LP

#5 run XXX<br>with 46%<br>DTI.<br>Updated<br>student loan<br>payments<br>and Clayton<br>verified<br>45.53%<br>DTI. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been a XXX for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $106,046.57 or 9.57 months PITI, required reserves are 3 months PITI or $33,250.74. |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Clayton status<br>of ATR Risk:<br>Non-QM -<br>Lender did not<br>document all<br>ATR UW<br>factors<br>resulting from<br>Loan DTI of<br>50.71% (due<br>to total<br>obligations of<br>$15,491.56<br>and total<br>income of<br>$30,547.99.)<br>is more than<br>3% above the<br>approved DTI<br>of 45.92% on<br>DU #3.<br>Variance due<br>to student loan<br>payments,<br>lender used<br>0.5% of the<br>loan balance<br>instead of the<br>FNMA<br>required 1%<br>fordeferred<br>student loans.<br>No<br>documentation<br>was provided<br>in the loan file<br>to document a<br>lower<br>payment<br>amount. | 1/30/2026:<br>Received LP

#5 run XXX<br>with 46%<br>DTI.<br>Updated<br>student loan<br>payments<br>and Clayton<br>verified<br>45.53%<br>DTI. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been a XXX for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $106,046.57 or 9.57 months PITI, required reserves are 3 months PITI or $33,250.74. |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio ><br>50% | No | Loan DTI of<br>50.71% (due<br>to total<br>obligations of<br>$15,491.56<br>and total<br>income of<br>$30,547.99.)<br>is more than<br>3% above the<br>approved DTI<br>of 45.92% on<br>DU #3.<br>Variance due<br>to student loan<br>payments,<br>lender used<br>0.5% of the<br>loan balance<br>instead of the<br>FNMA<br>required1%<br>for deferred<br>student loans.<br>No<br>documentation<br>was provided<br>in the loan file<br>to document a<br>lower<br>payment<br>amount. | 1/30/2026:<br>Received LP

#5 run XXX<br>with 46%<br>DTI.<br>Updated<br>student loan<br>payments<br>and Clayton<br>verified<br>45.53%<br>DTI. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The co-borrower has been a XXX for 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $106,046.57 or 9.57 months PITI, required reserves are 3 months PITI or $33,250.74. |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Credit | Terms/<br>Guidelines | Active B | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | AUS provided<br>dated XXX<br>shows cash<br>back to<br>borrower of<br>$834,544.48.<br>R/T Refi.<br>Provide final<br>AUS run<br>showing no<br>cash back to<br>borrower. Per<br>final CD dated<br>XXXXXX,<br>borrowers<br>required cash<br>to close =<br>$25,386.21. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 18 years in same line of work/profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 FICO score > min. required of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 58.11% < max allowable per guides of 89.99% |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Missing Initial<br>CD. | 1.14.2026 -<br>ICD<br>received | 1.14.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: CO-Borrower has been in the same line of work for 7 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history 0 X 30 over 23 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 Credit score exceeds minimum required of 700 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Provide proof<br>Initial CD<br>issued XXX<br>was received<br>at least 3<br>business days<br>prior to<br>Closing. | 1.14.2026 - ICD<br>received | 1.14.2026 -<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: CO-Borrower has been in the same line of work for 7 years CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history 0 X 30 over 23 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 Credit score exceeds minimum required of 700 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>returned no<br>score. Clayton<br>to order AVM | 12.22.2025: AVM<br>provided FSD<br>score outside of<br>allowable<br>variance.1/14/2026:<br>Received CDA<br>supporting value. | 12.22.2025:<br>Exception<br>remains1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.9 years primary CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 10 years at current job. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job. |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent<br>FSD score<br>outside of<br>approved<br>variance | No | AVM FSD is<br>18. Max<br>allowed is 13 | 1/14/2026:<br>Received CDA<br>supporting value. | 1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5.9 years primary CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has 10 years at current job. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 16 years at current job. |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in<br>the CD Loan<br>Disclosures<br>section is<br>selected and<br>both or<br>neither of<br>You declined<br>it and/or<br>Your lender<br>does not offer<br>one are<br>selected | No | The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is not<br>selected - both<br>or neither of<br>You declined<br>it and/or Your<br>lender does not<br>offer one is not<br>selected. On<br>final CD<br>XXXXXX.<br>Non-numeric<br>clerical error<br>cure: LOX and<br>post-<br>consummation<br>CD within 60<br>days of<br>consummation. | 1.14.2026 -<br>Corrected CD<br>provided | 1.14.2026 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 over 24 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 81 exceeds minimum of 640. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.82% below max of 43%. |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | File missing<br>B1 VVOE doc | 1/14/2026:<br>Received XXX<br>WVOE. | 1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years & 3 months at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x39x64 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 84 points above guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 23 points below guideline maximum. |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 3.6.<br>Clayton to<br>order AVM | 12.22.2025: AVM<br>provided supports<br>appraised value | 12.22.2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 18 years & 3 months at current job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 18 years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x39x64 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 84 points above guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 23 points below guideline maximum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller<br>CD not in file;<br>need in order<br>to complete<br>fee entry | No | Missing Seller<br>CD. | 12.24.2025<br>- Seller<br>CD<br>provided | 12.24.2025<br>-<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.98% LTV/CLTV < max allowable per guides of 89.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 760 FICO score. Min. required 700. CFCFS5269: Minimal use of credit - Clayton Comments: 18.62% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 5.03 months of reserves exceeds guideline requirements of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 85% LTV for Subject Property is below guideline max LTV of 89.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 793 > 93 required guideline requirements of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.01% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | Appraisal Fee<br>increased from<br>$1250 to $1700 on<br>the Revised LE<br>dated XXX. Final<br>CD reflects an<br>amount of $1550<br>for a tolerance of<br>$300.Tolerance<br>cure was provided<br>on the PCCD<br>dated XXX.<br>Exception<br>satisfied. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments in the past 5 years or more. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 7 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 6 years. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR119 | Appraisal<br>documentation<br>does not<br>support<br>occupancy | No | Missing accurate<br>occupancy on<br>appraisal.<br>Appraisal reports<br>occupancy as<br>vacant however<br>pictures and<br>borrower<br>information<br>indicate property<br>is owner occupied. | 1/13/2026:<br>Received<br>corrected<br>appraisal<br>showing<br>owner occ. | 1/13/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of783 is above the required 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.924 is below the maximum allowable of 89.99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves: $228882.58 or 30.59 months of PITI. 3 months required. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>documentation to<br>fully source<br>qualifying income<br>of<br>$31,265.87/month. | 1/14/2026:<br>The<br>WVOE<br>received<br>shows<br>2024 and<br>2023 year<br>end<br>earnings. | 1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $159,862.31 or 12.78 months of PITI. 3 months required reserves $12,511.33 \* 3 months = $37,533.99. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 16 years CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 84.59% below program maximum 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 798 >78 points above the minimum guideline required 720. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Complete income<br>documentation of<br>YTD pay stub<br>with 2024 W2 or<br>WVOE with all<br>year to date and<br>prior year<br>earnings. WVOE<br>dated XXX is<br>expired. Missing<br>required<br>documentation to<br>fully source<br>qualifying income<br>of<br>$31,265.87/month. | 1/14/2026:<br>The<br>WVOE<br>received<br>shows<br>2024 and<br>2023 year<br>end<br>earnings. | 1/14/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $159,862.31 or 12.78 months of PITI. 3 months required reserves $12,511.33 \* 3 months = $37,533.99. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 16 years CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 84.59% below program maximum 89.99%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 798 >78 points above the minimum guideline required 720. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score 4.5.<br>Clayton to<br>order a AVM | 12.22.2025:<br>AVM<br>provided<br>supports<br>appraised<br>value | 12.22.2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 744 FICO score. Minimum required 620. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower's has owned and operated their XXX business for 10 years. |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 750 is 50 points above minimum program requirement of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 9.14% is below the guideline minimum of 50%. CFCFS2860: Good credit history - Clayton Comments: Borrowers has 0x30 for 268 months. |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit - Clayton Comments: 2.00% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10.2 years current job time |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $140.00 due<br>to addition of<br>Appraisal<br>Desk Review<br>Fee on LE<br>XXX. Missing<br>a valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower. | 1.14.2026 -<br>COC<br>provided | 1.14.2026 -<br>Exception<br>satisifed | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 45.42 is below Guidelines 50% maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 exceeds Guidelines 700 minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below Guidelines 89.99% maximum. |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in<br>the CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it<br>and/or Your<br>lender does<br>not offer one<br>are selected | No | Loan<br>disclosure<br>section: CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is<br>selected<br>neither of You<br>declined it<br>and/or Your<br>lender does not<br>offer one are<br>not selected.<br>Non-numeric<br>clerical error<br>cure: LOX and<br>post-<br>consummation<br>CD within 60<br>days of<br>consummation.<br>One box must<br>be checked. | 1.30.2026 -<br>LOX and<br>PCCD<br>received. | 1.30.2026 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with current employer 23.25 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $1,204,324.81 in post closing reserves or 101.64 months PITI. Three months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 808 median FICO. Min required 700. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at primary residence 29.33 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 44.01% LTV. Max allowed 80%. |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30, 58 mos. 0x30 and 7 mos. 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $792,424.56 exceed required reserves $391,401.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 778 above program requirement 740. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 14.33 months of reserves exceeds guideline requirements of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 751 > 31 required guideline requirements of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.30% is above the minimum program requirements of 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: 85% LTV for Subject Property is below guideline max LTV of 89.99% |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 credit score exceeds minimum standard of 620. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for 9 years and 4 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 7 years and 7 months. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $95,985.62 . Reserves required =$30,553.47 (3 mos. PITIA) CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 FICO score > min. score requirement of 700 CFCFS2854: Significant time in profession - Clayton Comments: 11 years in same line of work/profession |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>Lender QM<br>determination. | 1/30/2026:<br>Safe<br>Harbor<br>verified<br>on Mavent<br>Report. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 78.53% LTV. Max allowed 89.99%. |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 46.94% is above the minimum program requirements of 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 5.33 months of reserves exceeds guideline requirements of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 89.99% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 794 > 94 required guideline requirements of 700 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $361,662.63 exceed required reserves $42,490.35. CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 70 mos. 0x30. CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 71.07% below program maximum 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 791 above 700 minimum. |

---

------

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 8.48 months of reserves exceeds guideline requirements of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 799 > 99 required guideline requirements of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV for Subject Property is below guideline max LTV of 89.99% |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has significant time at current residence with 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines with over $10 million in assets. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit history exceeds guidelines with no late payments in the past 5 years or more. |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>greater<br>than 2.5;<br>Clayton to<br>order an<br>AVM.<br>(XXXXXX<br>in the file<br>does not<br>show an<br>FSD or<br>Confidence<br>Score). | 1/30/2026:<br>Received<br>CC AVM<br>supporting<br>value FSD<br>5%. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 10 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.89% is above the minimum program requirements of 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score of 807 > 107 required guideline requirements of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.475% LTV for Subject Property is below guideline max LTV of 89.99% |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.26% DTI is below maximum standard of 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self-employed for 37 years and 4 months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owned departing residence for 4 years and 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 810 credit score exceeds minimum standard of 620. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years at departing residence CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 99 months |

---

------

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Due to B1<br>Commission<br>Income &<br>B2 OT<br>income, LP<br>requires 2<br>years W2s.<br>Provide<br>2023 W2<br>for each<br>borrower. | 1/30/2026:<br>Received<br>12/2025 &<br>12/2024<br>paystubs.<br>Commission<br>history is<br>verified. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departing residence for 4 years and 4 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for 7 years and 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 credit score exceeds minimum standard of 620. |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Due to B1<br>Commission<br>Income &<br>B2 OT<br>income, LP<br>requires 2<br>years W2s.<br>Provide<br>2023 W2<br>for each<br>borrower. | 1/30/2026:<br>Received<br>12/2025 &<br>12/2024<br>paystubs.<br>Commission<br>history is<br>verified. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers owned departing residence for 4 years and 4 months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same line of work for 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for 7 years and 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 credit score exceeds minimum standard of 620. |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 721 median FICO. Min required 700. |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Provide<br>2023 1040s<br>and 1120-s.<br>Per LP, two<br>years<br>required if<br><5 years in<br>business.<br>Business<br>was formed<br>10/2022.<br>Per UW<br>notes,<br>business<br>was<br>Schedule C<br>prior.<br>Provide<br>proof of at<br>least 5 years<br>existence or<br>additional<br>years'<br>business<br>and<br>personal tax<br>returns are<br>required. | 1/30/2026:<br>Received<br>CPA Letter<br>verifying in<br>business for<br>10 years. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 75% LTV. Max allowed 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.27% DTI. Max allowed 50%. |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Provide<br>2023 1040s<br>and 1120-s.<br>Per LP, two<br>years<br>required if<br><5 years in<br>business.<br>Business<br>was formed<br>10/2022.<br>Per UW<br>notes,<br>business<br>was<br>Schedule C<br>prior.<br>Provide<br>proof of at<br>least 5 years<br>existence or<br>additional<br>years'<br>business<br>and<br>personal tax<br>returns are<br>required. | 1/30/2026:<br>Received<br>CPA Letter<br>verifying in<br>business for<br>10 years. | 1/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 75% LTV. Max allowed 89.99%. CFCFS1744: DTI below guideline requirement - Clayton Comments: Verified 20.27% DTI. Max allowed 50%. |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $215,381.39 in post closing reserves or 22.09 months PITI. DU requires $58,485.65 reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 808 median FICO. Min required 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been with current employer 11.75 years. |

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| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original**<br> **Principal**<br> **Balance** | **State** | **Initial**<br> **Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition**<br> **Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial**<br> **Comments** | **Client/**<br> **Seller**<br> **Response**<br> **Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers lived at previous residence 15.75 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: Verified 62.91% LTV. Max allowed 89.99%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $1,798,460.88 in post closing reserves or 275.40 months PITI. Three months reserves required. |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers lived at previous residence 13 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $414,348.28 in post closing reserves or 46.24 months PITI. Three months reserves required. |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | XXXXXX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified $253,871.12 in post closing reserves or 35.48 months PITI. Three months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 759 median FICO. Minimum required 700. |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application**<br> **Date** | **Did Lender**<br> **Acknowledge**<br> **Exception at**<br> **Origination** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal**<br> **ID** | **Loan**<br> **Number** | **Lender**<br> **Application<br>Date** | **Broker**<br> **Application**<br> **Date** | **Did Lender**<br> **Acknowledge**<br> **Exception at**<br> **Origination** |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | XXXXXX A | No |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2026-J2 16584** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *50* |

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---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 23872.4 | XXXXXX | 6.3728 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9099.7 | XXXXXX | 6.9138 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | 6.5135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 22823.64 | XXXXXX | 6.4324 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11530.95 | XXXXXX | 6.5238 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1295 | XXXXXX | 6.583 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1825 | XXXXXX | 6.2816 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1420 | XXXXXX | 6.7626 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1250 | XXXXXX | 6.6379 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 41628.66 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11533.4 | XXXXXX | 6.5956 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1094.71 | XXXXXX | 6.0428 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1329.35 | XXXXXX | 6.1337 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1745 | XXXXXX | 6.3911 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2549 | XXXXXX | 6.1957 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11610 | XXXXXX | 6.9765 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1420 | XXXXXX | 6.149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1499 | XXXXXX | 6.2728 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11850.4 | XXXXXX | 7.024 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.118 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1314 | XXXXXX | 6.3179 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1499 | XXXXXX | 6.2877 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2611.43 | XXXXXX | 6.8968 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2094 | XXXXXX | 6.2835 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3170.13 | XXXXXX | 6.1571 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5932.49 | XXXXXX | 6.76 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis in<br>File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2835 | XXXXXX | 7.3348 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.5446 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 16175 | XXXXXX | 6.6077 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5984 | XXXXXX | 5.644 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 865 | XXXXXX | 6.1315 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.6296 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6361.9 | XXXXXX | 6.5646 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 7.5931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 6.8302 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1265 | XXXXXX | 7.2669 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.2627 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1735 | XXXXXX | 6.4273 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1605 | XXXXXX | 6.4133 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1585 | XXXXXX | 5.5423 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7104.42 | XXXXXX | 6.1416 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.6356 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 22955.57 | XXXXXX | 6.6364 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2535 | XXXXXX | 6.9027 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1673.62 | XXXXXX | 6.6586 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9885 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.1445 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.4002 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1419.23 | XXXXXX | 6.5828 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1650 | XXXXXX | 6.8441 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

<sup>©</sup>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 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC - PMTLT 2026-J2 J16584 |
| **Loan Level Tape Compare Upload** |  |
| *Loans in Report* | *26* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Cash Reserves | 806062.07 | 318578.67 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Cash Reserves | 337268.73 | 132480.22 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Cash Reserves | 584911.61 | 175366.55 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Cash Reserves | 449152.95 | 118101.04 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Cash Reserves | 884256.06 | 600525.77 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 16.8680 | 26.4124 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Borrower 1 Total Income | 16120.39 | 26024.46 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.7200 | 34.5798 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Total Monthly Income | 26286.00 | 36191.11 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Cash Reserves | 3283495.55 | 2322918.80 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | Cash Reserves | 936319.38 | 269263.88 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | Min Number | XXXXXX | Not Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Cash Reserves | 410615.25 | 99080.29 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Cash Reserves | 448518.64 | 980089.04 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Cash Reserves | 514219.04 | 177233.30 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | Cash Reserves | 320895.27 | 106046.57 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Cash Reserves | 935244.17 | 225175.21 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Cash Reserves | 463083.74 | 104941.93 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 954560.97 | 582918.40 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Cash Reserves | 1539621.02 | 667776.43 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower**<br> **Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Cash Reserves | 412871.39 | 64050.59 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | Cash Reserves | 150616.68 | 105428.72 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 201645.59 | 44451.15 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Cash Reserves | 4020776.47 | 1895737.12 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Cash Reserves | 302788.38 | 49345.57 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Cash Reserves | 493387.19 | 183393.41 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | Cash Reserves | 117391.42 | 65767.74 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Cash Reserves | 348014.11 | 95985.62 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Cash Reserves | 44457.80 | 564065.39 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Cash Reserves | 723504.26 | 361662.63 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Cash Reserves | 1057502.76 | 98567.13 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | Cash Reserves | 346143.22 | 1734550.28 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3772.00 | 2668.55 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | Cash Reserves | 244433.00 | 35571.43 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Cash Reserves | 2978405.02 | 1876507.37 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Cash Reserves | 418107.83 | 84225.60 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Cash Reserves | 324954.98 | 73363.27 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | Cash Reserves | 852432.62 | 393438.41 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Cash Reserves | 479427.14 | 90563.82 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Cash Reserves | 580018.59 | 215381.39 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.2200 | 38.0082 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | Cash Reserves | 712828.27 | 414348.28 |

---

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

**Client Name:** PennyMac

**Client Project Name:** PNMAC — PMTLT 2026-J2 J16584

**Valuations Summary** 

*Loans In Report: 50* 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.17% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 2 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.39% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 6 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 7 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 259 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 8 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.35% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 11 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 14 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 15 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 260 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 17 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 18 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.43% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.54% | Full<br>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% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 24 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 26 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.13% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 5.18% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 30 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 31 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 48 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 32 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 34 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 52 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |

---

------

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller**<br> **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For**<br> **LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence**<br> **Score** | **Review Date** | **Review<br>Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value - Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 36 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 39 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.51% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 40 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.17% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5.0 |
| &nbsp;&nbsp;&nbsp;&nbsp; 41 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 6.67% | Full<br>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% | 3.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5.0 |
| &nbsp;&nbsp;&nbsp;&nbsp; 46 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 45 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 53 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.0 |
| &nbsp;&nbsp;&nbsp;&nbsp; 51 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 50 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |

---

*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*

## Exhibit 99.6

**EXHIBIT 99.6** 

**CONSOLIDATED ANALYTICS, INC. ("CONSOLIDATED ANALYTICS") DUE DILIGENCE EXECUTIVE SUMMARY** 

------

![LOGO](g52231g0210155424526.jpg)

**EXECUTIVE SUMMARY** 

**THIRD PARTY DUE DILIGENCE REVIEW** 

**December 2, 2025** 

**Overview** 

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by PennyMac Corp. (the "Client"). The review included a total of 197 residential mortgage loans in connection with the securitization identified as PMTLT 2026-J2 (the "Securitization"). The Review was conducted from October 2025 and February 2026 on mortgage loans originated between July 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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Validate monthly recurring liabilities

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

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

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

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

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

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

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

------

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

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

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

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

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

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

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

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

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

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

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

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

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

<sup>○</sup> The consumer's debt obligations, alimony, child support; and

<sup>○</sup> The monthly DTI or residual income.

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

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

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

------

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

**Valuation Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

For loans reviewed in a post-close valuation review scenario (197 loans in total):

Seventy-seven (77) loans had an AVM, six (6) loans had a Secondary Appraisal, sixty-seven (67) loans had Desktop Reviews, and zero (0) loans had Field Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Client.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, had a confidence score less than 87, or was inconclusive, then a CDA, Field Review or a 2nd Appraisal (Secondary Appraisal or Exterior Only Appraisal) was completed. There were twenty-six (26) occurrences of this.

There were zero (0) PIW loans.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one-hundred ninety-seven (197) mortgage loans reviewed, one-hundred nine (191) unique mortgage loans (96.95% by loan count) had a total of eight hundred forty (840) discrepancies across twenty-five (25) 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 <br> Count** | **Percentage** |
|  Total Qualified Assets Post-Close | 160 | 19.05% |
|  Qualifying Interest Rate | 149 | 17.74% |
|  Qualifying Total Debt Income Ratio | 122 | 14.52% |
|  Qualifying CLTV | 77 | 9.17% |
|  Qualifying LTV | 74 | 8.81% |
|  Total Monthly Property Insurance Amount | 56 | 6.67% |
|  Escrow Waiver in File | 44 | 5.24% |
|  Property Address | 36 | 4.29% |
|  Qualifying FICO | 24 | 2.86% |
|  Total Closing Costs | 22 | 2.62% |
|  Borrower 1 Self-Employment Flag | 16 | 1.90% |
|  Borrower 2 Self-Employment Flag | 13 | 1.55% |
|  Borrower 1 Last Name | 11 | 1.31% |
|  Borrower 1 First Name | 6 | 0.71% |
|  Borrower 1 FTHB | 5 | 0.60% |
|  Secondary Appraised Property Value | 4 | 0.48% |
|  Borrower 2 First Name | 4 | 0.48% |
|  Property County | 4 | 0.48% |
|  Primary Appraised Property Value | 3 | 0.36% |
|  Borrower 2 SSN | 3 | 0.36% |
|  Borrower 1 Citizen | 2 | 0.24% |
|  Borrower 1 SSN | 2 | 0.24% |
|  Borrower 2 Citizen | 1 | 0.12% |
|  Loan Purpose | 1 | 0.12% |
|  Number of Units | 1 | 0.12% |
|  **Grand Total** | **840** | **100.00%** |

---

------

**Summary of Results** 

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades** 

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;&nbsp; **Event Grade** | **Loan Count** | **Original Principal Balance** | **Percent of** <br> **Sample** |
| &nbsp;&nbsp;&nbsp;Event Grade A | 187 | $231965488.00 | 94.92% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 10 | $14608890.00 | 5.08% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 197 | $246574378.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 197 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 197 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 187 | 94.92% |
| Event Grade B | 10 | 5.08% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 197 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 197 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 197 | 100.00% |

---

------

**Exception Category Summary** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Type | &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Level<br> Grade | Exception Category | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total |
|  Credit | A | <br> HMDA Data Tape Not Provided<br>| 196 |
|  Credit | A | <br> HMDA Discrepancy(s) Noted<br>| 86 |
|  Credit | A | <br> AUS Partially Provided<br>| 13 |
|  Credit | A | <br> Income and Employment Do Not Meet Guidelines<br>| 8 |
|  Credit | A | <br> Borrower 1 Credit Report is Incomplete | 7 |
|  Credit | A | <br> Missing verification of taxes, insurance, and/or HOA fees for non-subject property<br>| 6 |
|  Credit | A | <br> Title Coverage is Less than Subject Lien<br>| 5 |
|  Credit | A | <br> Third Party Fraud Report not Provided<br>| 5 |
|  Credit | A | <br> Borrower 2 3rd Party VOE Prior to Close Missing<br>| 4 |
|  Credit | A | <br> Audited DTI Exceeds AUS DTI<br>| 4 |
|  Credit | A | <br> The Total Hazard Coverage is LESS than the Required Coverage Amount<br>| 4 |
|  Credit | A | <br> Missing Letter of Explanation (Credit)<br>| 3 |
|  Credit | A | <br> Audited Interested Party Contribution Exceeds Guideline Program Maximum<br>| 3 |
|  Credit | A | <br> Audited Reserves are less than Guideline Required Reserves (Dollar Amount)<br>| 3 |
|  Credit | A | <br> Asset Qualification Does Not Meet Guideline Requirements<br>| 2 |
|  Credit | A | <br> Missing income documentation<br>| 2 |
|  Credit | A | <br> Missing US Patriot Act Disclosure or ID<br>| 2 |
|  Credit | A | <br> Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum<br>| 2 |
|  Credit | A | <br> Audited Reserves are less than Guideline Required Reserves (Number of Months)<br>| 2 |
|  Credit | A | <br> Audited DTI Exceeds Guideline DTI<br>| 2 |
|  Credit | A | <br> Hazard Insurance Effective Date is after the Disbursement Date<br>| 2 |
|  Credit | A | <br> Assets do not meet guideline requirements<br>| 2 |
|  Credit | A | <br> Title Document Missing<br>| 2 |
|  Credit | A | <br> Missing Loan program disclosure<br>| 1 |
|  Credit | A | <br> Borrower 1 W2/1099 Missing<br>| 1 |
|  Credit | A | <br> Purchase Contract does not Match Final CD<br>| 1 |
|  Credit | A | <br> Title Document is Partially Present<br>| 1 |
|  Credit | A | <br> Borrower 1 3rd Party VOE Prior to Close Missing<br>| 1 |
|  Credit | A | <br> ULI Number on URLA does not match ULI Number provided by the Lender<br>| 1 |
|  Credit | A | <br> Borrower 1 Executed 4506-T Missing<br>| 1 |
|  Credit | A | <br> Audited LTV Exceeds AUS LTV<br>| 1 |
|  Credit | A | <br> The Final 1003 is Incomplete<br>| 1 |
|  Credit | A | <br> Audited CLTV Exceeds AUS CLTV<br>| 1 |
|  Credit | A | <br> Borrower 2 Executed 4506-T Missing<br>| 1 |
|  Credit | A | <br> Asset 1 Missing<br>| 1 |

---

------

---

| | | |
|:---|:---|:---|
|  | <br> Audited HCLTV Exceeds AUS HCLTV<br>| 1 |
|  | <br> HO6 Master Insurance Policy is Missing<br>| 1 |
|  | <br> Missing Property Tax Cert<br>| 1 |
|  | <br> Income 1 Months Income Verified is Missing<br>| 1 |
|  | <br> Borrower 1 Photo Identification not provided<br>| 1 |
|  | <br> Income 2 Months Income Verified is Missing<br>| 1 |
|  | <br> The Deed of Trust is Incomplete<br>| 1 |
|  | <br> Income 3 Months Income Verified is Missing<br>| 1 |
|  | <br> The Note is Incomplete<br>| 1 |
|  | <br> Asset 4 Does Not Meet Guideline Requirements<br>| 1 |
|  | <br> Asset 5 Does Not Meet Guideline Requirements<br>| 1 |
|  | <br> Income/Employment General<br>| 1 |
|  | <br> Borrower 2 Paystubs Missing<br>| 1 |
|  | <br> Missing explanation and supporting documentation for large deposit(s)<br>| 1 |
|  | <br> Borrower 2 Photo Identification not provided<br>| 1 |
|  | <br> Asset 1 Does Not Meet Guideline Requirements<br>| 1 |
|  | <br> Condominium Project is Non-Warrantable<br>| 1 |
| | <br> ***Total Credit Grade (A) Exceptions:***<br>| **394** |
|  Compliance<br> A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 31 |
|  | Missing Required Affiliated Business Disclosure | 29 |
|  | Charges That Cannot Increase Test | 13 |
|  | Lender Credits That Cannot Decrease Test | 6 |
|  | RESPA Homeownership Counseling Organizations Disclosure Date Test | 5 |
|  | Charges That In Total Cannot Increase More Than 10% Test | 4 |
|  | Initial Loan Estimate Delivery Date Test (from application) | 4 |
|  | Initial Closing Disclosure Delivery Date Test | 3 |
|  | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | 3 |
|  | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | 2 |
|  | Revised Loan Estimate Delivery Date Test (prior to consummation) | 2 |
|  | Homeownership Counseling Disclosure Is Missing | 2 |
|  | eSigned Documents Consent is Missing | 2 |
|  | TRID Disclosure Delivery Date Validation Test | 1 |
|  | TRID Post-Consummation Reason for Redisclosure Validation Test | 1 |
|  | TILA Finance Charge Test | 1 |
|  | Disclosed Escrow is Not Accurate on Final CD and/or PCCD | 1 |
|  | Intent to Proceed is Missing | 1 |
|  | ***Total Compliance Grade (A) Exceptions:*** | **111** |

---

------

---

| | | | |
|:---|:---|:---|:---|
|  | B | Charges That Cannot Increase Test | 8 |
|  | B | TILA Finance Charge Test | 1 |
|  | B | TRID Post-Consummation Reason for Redisclosure Validation Test | 1 |
|  | B | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | 1 |
|  | B | Temporary Buydown Agreement is Partially Provided | 1 |
|  |  | ***Total Compliance Grade (B) Exceptions:*** | **12** |
|  Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 44 |
|  | A | The appraiser was not licensed (Primary Value) | 1 |
|  | A | Missing Private Road Maintenance Agreement | 1 |
|  | A | Second Appraisal is Expired | 1 |
|  |  | ***Total Property Grade (A) Exceptions:*** | **47** |

---

**Event Grade Definitions** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Final Loan Grade | &nbsp;&nbsp;&nbsp;Final Loan Grade |
| &nbsp;&nbsp;&nbsp;A | Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;D | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Credit Event Grades | &nbsp;&nbsp;&nbsp;Credit Event Grades |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Compliance Event Grades | &nbsp;&nbsp;&nbsp;Compliance Event Grades |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Valuation Event Grades | &nbsp;&nbsp;&nbsp;Valuation Event Grades |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;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. |
| &nbsp;&nbsp;&nbsp;D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.7

**EXHIBIT 99.7** 

**CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT** 

------

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower at consummation. Per the appraisal acknowledgment disclosure, the borrower waived the timing requirements but nothing in the file confirmed a copy was provided at closing. | Evidence | 11/24/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 7.24 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid — See page 591 of the Original submission bookmarks<br> ; HVE | 11/17/2025 | XXX approved XXX waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 7.24 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 7.24 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99%<br> C A B |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $15,173.09.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $15,173.09 ; cure package requires a PCCD, LOE, Copy of Refund Check, and proof delivery or a Valid COC. TILA 130b Cure Required. The exception is tied to the missing Initial LE Issued within 3 business days of the application date of XXX (per compliance report in file) , as the earliest available LE is dated XXX. Please provide the initial LE (dated XXX per compliance report in file) issued within 3 business days of the application date of XXX. Additional testing will be completed, once the initial LE is provided. | Initial loan pkg; LE | 11/26/2025 | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided an LE; however, it is not for the subject transaction. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More<br>Than<br>10%<br>Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,928.33) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $7,928.33 ; cure package requires a PCCD, LOE, Copy of Refund Check, and proof delivery or a Valid COC. TILA 130b Cure Required. The exception is tied to the missing Initial LE Issued within 3 business days of the application date of XXX (per compliance report in file) , as the earliest available LE is dated XXX. Please provide the initial LE (dated XXX per compliance report in file) issued within 3 business days of the application date of XXX. Additional testing will be completed, once the initial LE is provided. |  |  | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3515 | Compliance | Initial<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. According to Mavent report, initial Loan application date is XXX and Initial LE is dated XXX. Earliest LE provided in file is dated XXX which exceeds the timing regulation. Please provide the initial LE issued within 3 business days of the application date of XXX Additional testing will be completed, once the initial LE is provided. |  |  | Lender provided Initial LE. Condition cleared.; Lender provided Initial LE. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. According to Mavent report, initial Loan application date is XXX. Homeownership counseling organization disclosure is dated XXX which exceeds the timing regulation. Please send Homeownership counseling organization disclosure within 3 days of application. | RESPA Homeownership Counseling Organizations | 11/18/2025 | Resolved as we have received the timely disclosure. ; Material | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided within<br>10% Tolerance |  | Invalid — provided in the original bookmark page 502-503 | 11/13/2025 | XXX approved XXX — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Rescinded | FPRO1137 | Property | The appraiser<br>was not licensed<br>(Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Invalid — Appraisers License was in effect and did not expire — 2/28/26 expiration date | 11/25/2025 | Audit reviewed Lender's response and has determined the appraiser's license was active at the time the appraisal was completed. Condition rescinded.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided within<br>10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid per the UCDP's provided — LCA 2.5, CU score 1 | 11/13/2025 | Third party valuation product provided within tolerance.; XXX approved XXX — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 6.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 6.27 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage<br>is Less<br>than<br>Subject<br>Lien | Title Coverage Amount of $1200000 is Less than Total Amount of Subject Lien $XXXXXX Provide Title with Coverage Amount of Subject Lien $XXXXXX | Title policy | 01/22/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared.; Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $1,050.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1050; 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 $1050 is due to increase from $0 to $1050 for the survey fee that was added to CD XXX. A COC is required to determine if this was a valid change. | PCCD | 11/25/2025 | Lender provided LOE and PCCD correcting Survey Fee to section H. Condition cleared.; Lender provided LOE and PCCD correcting Survey Fee to section H. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid per the UCDP's provided — CU score 1.2, LCA 1 | 11/13/2025 | XXX approved XXX — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1145 | Credit | Title<br>Document<br>Missing | Title Document is missing Provide Title Document | Please review the uploaded doc | 01/12/2026 | Lender provided the title for the subject property. Condition cleared.; Lender provided the title for the subject property. Condition cleared. ; Lender provided the title for the subject property. Condition cleared. ; Title Document is fully Present; Title Document is missing Provide Title Document | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1253 | Credit | Missing<br>Property<br>Tax Cert | Missing Property Tax Cert Provide Property Tax Cert | already provided | 11/18/2025 | Property Tax Cert Provided; Resolved as we have received the tax cert from lender. ; Missing Property Tax Cert Provide Property Tax Cert | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation XXX | Appraisal Delivery | 12/08/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation XXX | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1467 | Credit | Asset 1<br>Missing | Asset 1 Missing. Lender to provide XXX money market acct #XXX amt $453,564.34 | already provided | 11/18/2025 | Cleared as we have received the missing assets. ; Asset 1 Provided; Asset 1 Missing. Lender to provide XXX money market acct #XXX amt $453,564.34 | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid — CU Score 1.8, LCA 1.5 per the UCDP already provided | 11/17/2025 | XXX approved XXX — condition cleared | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation | The last uploaded provided clearly shows that the appraisal was mailed out on XXX which is the date of the document ; Note — these letters have never been rejected in past trades ; This is not a LOE — this is the same mail out letter that we use on all six series loans and have provided this and evidence of mailing the appraisal multiple times and have not been rejected for it. ; Letter | 12/12/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Audit reviewed Lender's response. The letter provided is not dated and cannot be used to verify the date the appraisal was provided to the Borrower. Please provide documentation that reflects the date the appraisal was provided to the Borrower. Condition retained.; Audit reviewed Lender's response. The mail out letter is not dated. The piece that is missing is the evidence of mailing reflecting the date the appraisal was provided to the Borrower to verify the Borrower received the appraisal 3 days prior to consummation. The Notice of Right to Receive copy of Appraisal, Borrower chose to receive appraisal at least 3 days prior to consummation. Please provide verification of Borrower's receipt of appraisal at least 3 days prior to consummation. Condition retained. ; Lender provided a LOE to the Borrower; however, it is not dated. Please provide verification of the date the Borrower received the appraisal. Condition retained.; Material | 12/15/2025 | Borrower has stable job time — Borrower has 2.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 1230 of the Original Submission bookmarks ; HVE | 11/17/2025 | XXX approved XXX — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Borrower has stable job time — Borrower has 2.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 2.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE0382 | Credit | Assets do<br>not meet<br>guideline<br>requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two XXX accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | It would be much more helpful and time saving if you would ask for all of the items required in the first exception and not in the rejection reason. All of those statements were provided in the original file submission; Per AUS — Funds to close — $238,172.24 — Reserves required to be verified — $0.00 | 12/03/2025 | Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Funds are found to meet guidelines.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two XXX accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. ; Lender provided the EXTrade accounts ending in 9210; however, did not provide the Discover, Vanguard, Empower, BOA, Chase, Charles Schwab or the Fidelity statements reflected on the 1003 and AUS. The AUS reflects a total verified asset balance of $433,968.78. Please provide asset documentation used in qualification that total $433,968.78. Condition retained.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two XXX accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. ; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two XXX accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE9995 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $24522.51. Audited Reserves of $0 are less than Guideline Required Reserves of $24,522.51. | It would be much more helpful and time saving if you would ask for all of the items required in the first exception and not in the rejection reason. All of those statements were provided in the original file submission; Invalid — Per AUS Submission 10 — no reserves are required to be verified. | 12/03/2025 | Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Lender provided the XXX accounts ending in XXX; however, did not provide the XXX, XXX, Empower, XXX, XXX, XXX or the ZZZ statements reflected on the 1003 and AUS. The AUS reflects a total verified asset balance of $433,968.78. Please provide asset documentation used in qualification that total $433,968.78. Condition retained.; Audited Reserves of $ are less than Guideline Required Reserves of $24522.51. Audited Reserves of $0 are less than Guideline Required Reserves of $24,522.51. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value for the following;<br> ULI XXX<br> NMLS XXX<br> Total Loan Costs $10,553.42 | 11/18/2025 | Resolved as lender agrees with audit; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is XXX<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is XXX<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is XXX<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is XXX<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application XXX | AfBD | 11/18/2025 | Resolved as we have received the missing ABD. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application XXX | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing YTD Paystub and Prior Year w2 to support $9561.12 monthly for B1 | 2024 W2; All of this was previously provided | 12/10/2025 | Lender provided 2024 W2 for Borrower 1 supporting income. Condition cleared.; Income and Employment Meet Guidelines; Lender provided the YTD pay stub and 2023 W2. Please provide the 2024 W2 to meet AUS requirements for the the W2 from the most recent calendar year. Condition retained.; Income and Employment Do Not Meet Guidelines Missing YTD Paystub and Prior Year w2 to support $9561.12 monthly for B1 | 12/11/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not<br>Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements All Assets are missing. Verify Lender AUS submitted assets $485,550.95 covering a one-month period of which $267,124.14 is needed for closing costs plus $23,826.02 for subject property reserves and Balance paid monthly accounts. | Required funds to be verified $206,487.44 — Reserves to be verified $0.00 | 11/25/2025 | Lender provided asset documentation. Condition cleared.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements All Assets are missing. Verify Lender AUS submitted assets $485,550.95 covering a one-month period of which $267,124.14 is needed for closing costs plus $23,826.02 for subject property reserves and Balance paid monthly accounts. | 12/02/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — Page 401 of the Original File Submission is the HVE | 11/17/2025 | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation XXX | Appraisal Delivery | 11/14/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation XXX | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1347 | Credit | Borrower 2<br>3rd Party<br>VOE Prior to<br>Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing Co borrower missing VOE | VOE; This appears to be cleared in XXX. ; VOE | 01/12/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); Audit reviewed Lender's response and has determined the LOE from Borrower 2 employer is not dated within 10 business days of the Note date. Please provide a VVOE for Borrower 2 dated within 10 business days of the Note date or after the Note date but prior to delivery to meet AUS and FNMA requirements. Condition retained.; Audit reviewed Lender's response and has determined the LOE from Borrower 2 employer is not dated within 10 business days of the Note date. Please provide a VVOE for Borrower 2 dated within 10 business days of the Note date or after the Note date but prior to delivery to meet AUS and FNMA requirements. Condition retained.; Borrower 2 3rd Party VOE Prior to Close Missing B2 VOE dated XXX is not within 10 days of XXX note date. Finding remains. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE0363 | Credit | Condominium<br>Project is<br>Non-<br>Warrantable | When the subject Property Type is a (Condominium) and the Loan Program is Agency (DU) the Condominium Project: (No), in all circumstances, must be warrantable. | The subject is a detached condo. As indicated on DU cert item #28, a project review is not required. Therefore, project warrantability is not required. Agencies do not require project reviews on detached condos | 12/15/2025 | ; Additional documentation received; exception resolved. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid | 11/13/2025 | Third party valuation product provided within tolerance.; XXX approved XXX — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/17/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree | 11/13/2025 | Lender agreed with audit values. Condition cleared.<br> ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 3709.7 vs Lender Total Loan Costs MISSING, AUdit ULI XXX<br> VS. Lenders is missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $25.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $25.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $25.00 is due to increase from $925.00 to $950.00 for the appraisal fee from LE XXX to LE XXX. A COC is required to determine if this is a valid change. | cure | 12/04/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification that cure was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification that cure was applied. Cured post close, loan will be graded a B. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's values for the following;<br> ULI — XXX<br> NMLS XXX<br> Total Loan Costs $5,370.78 | 11/18/2025 | Resolved as lender agrees with audit. ; Resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.<br> ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 5370.78 vs Lender Total Loan Costs MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.<br> ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 5370.78 vs Lender Total Loan Costs MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Cleared as we lender agrees with audit. ; HMDA data received, additional discrepancy finding added.<br> ; HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice XXX has affiliates. Provide the affiliated business disclosure dated within 3 business days of application XXX. | AfBD | 11/18/2025 | Received evidence of no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Per the Privacy Notice XXX has affiliates. Provide the affiliated business disclosure dated within 3 business days of application XXX. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance |  | Invalid — CU Score 1, LCA 1 per the UCDP's already provided | 11/17/2025 | XXX approved XXX — condition cleared | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1186 | Credit | Audited DTI<br>Exceeds AUS<br>DTI | Audited DTI of 43.26% exceeds AUS DTI of 38.78% Audit verified less monthly income. Lender did not include loss from 2024 Schedule C for XXX business in the amount of -$3,899.08.. AUS resubmission required. | Please see attached | 12/03/2025 | Lender provided updated 1003, 1008 and AUS approving DTI of 42.63%. Audit DTI of 43.26% is within tolerance of the updated AUS approved DTI of 42.63%. Condition cleared.<br> ; Audited DTI of 43.26% is less than or equal to AUS DTI of 42.63% Lender provided updated 1003, 1008 and AUS approving DTI of 42.63%. Audit DTI of 43.26% is within tolerance of the updated AUS approved DTI of 42.63%. Condition cleared.; Audited DTI of 43.26% exceeds AUS DTI of 38.78% Audit verified less monthly income. Lender did not include loss from 2024 Schedule C for XXX business in the amount of -$3,899.08.. AUS resubmission required. | 12/04/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA provided. Condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | We agree with audit's ULI value — XXX<br> We agree with audit's NMLS value — XXX | 11/14/2025 | Lender agreed with audit values. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 14446.3 vs Lender Total Loan Costs MISSING, AND Audit ULI XXX Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1964 | Credit | Missing<br>income<br>documentation | Lender to provide business search verifying XXX is currently active, letter in file is dated 12/22/2021. | Regarding XXX, borrower owns less than 25%. Please see VOE attached. ; Asset WS | 12/29/2025 | Resolved as we have received evidence of ownership of the company from lender. ; Lender provided an asset worksheet; however, did not provide documentation to verify the Borrower's business XXX is an active business. Condition retained. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Lender to provide evidence property located at XXX is not subject to an HOA fee. | No HOA LOE; HOA | 12/12/2025 | ; Additional documentation received; exception resolved.; Lender provided HOA fees for subject property. Please provide HOA fees for Borrower's primary residence with address of XXX. Condition retained.; Lender provided HOA fees for subject property. Please provide HOA fees for Borrower's primary residence with address of XXX. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FVAL8506 | Property | Missing<br>Private Road<br>Maintenance<br>Agreement | The subject property is located on a private road, a road maintenance agreement is reported on the Title Commitment, provide a copy of the Private Road Maintenance Agreement. | Road Maintenance | 12/05/2025 | Lender provided Road Maintenance Agreement. Condition cleared. | 12/09/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does<br>Not Meet<br>Guideline<br>Requirements | Asset Record 1 Does Not Meet G/L Requirements. The borrower's 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. | Per the attached Asset Worksheet, required funds including reserves is $1,139,962.40...verified liquid funds are $1,350,803.39. In this case the 401K is not being used so terms of withdrawal should not be required. | 11/28/2025 | Audit reviewed Lender's response and has determined the 401k is not required for qualification; therefore, no additional documentation is required. Condition cleared.; Asset Record 1 Meets G/L Requirements; Asset Record 1 Does Not Meet G/L Requirements. The borrower's 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. ; Asset Record 1 Does Not Meet G/L Requirements. The borrower's 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance |  |  |  | Third party valuation product provided within tolerance. | 11/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of 40.73% exceeds AUS DTI of 36.85% DTI calculated is higher than DTI provided. Per the WVOE in file, total income is 21633.33. | Invalid | 11/25/2025 | Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 40.73% exceeds AUS DTI of 36.85% DTI calculated is higher than DTI provided. Per the WVOE in file, total income is 21633.33. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 413 of the original submission bookmarks | 11/17/2025 | Third party valuation product provided within tolerance.; XXX approves usage of XXX waterfall. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | HMDA | 11/17/2025 | Resolved as we have received the ULI from the lender. ; Resolved as we have received the ULI from the lender. ; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value.<br> ; Resolved as we have received the ULI from the lender. ; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value.<br> ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage is<br>LESS than<br>the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($672000) is insufficient, not meeting the required coverage amount of ($XXX). | RCE | 11/17/2025 | Cleared as we have received the RCE.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum 3 days prior to consummation. | Appraisal Delivery | 11/18/2025 | Cleared as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum 3 days prior to consummation. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE1193 | Credit | Audited<br>DTI<br>Exceeds<br>Guideline<br>DTI | Audited DTI of 48.63% exceeds Guideline DTI of 45% DTI calculated matches the 1008 but does not match the AUS. DTI is higher than guidelines. |  |  | ; AUS shows approved DTI of 49%, calculated DTI 48.63%. Condition cleared. | 01/28/2026 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU Score 1, LCA 2.5 per the UCDP's already provided | 11/17/2025 | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($7,670.12) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,737.52). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $5,067.40; 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 $5,067.40 is due to decrease from $12,737.52 to $7,670.10 from CD XXX to FCD XXX. A COC is required to determine if this is a valid change. | COC's, CD | 11/18/2025 | Condition resolved as we have received the valid COC for the credit decrease. ; Condition resolved as we have received the valid COC for the credit decrease. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We disagree with audit's total loan costs.<br> PCCD reflects Total Loan Costs 16442.82 | 11/18/2025 | Resolved as we have received final total loan costs from lender. ; Resolved as we have received final total loan costs from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 16675.32 vs Lender Total Loan Costs 16442.82. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Resolved as we have received final total loan costs from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 16675.32 vs Lender Total Loan Costs 16442.82. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage is<br>LESS than<br>the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($866700) is insufficient, not meeting the required coverage amount of ($XXX). | RCE | 11/18/2025 | Resolved as we have received the RCE from lender. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/28/2025 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>Increase Test | TILA 130b Cure Required. Refund in the amount of $120.00; 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 $120.00 is due to increase from $1025.00 to $1145.00 for the Appraisal Fee on LE XXX. COC dated XXX references the update the appraisal fee but does not provide a valid reason. 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 $120.00.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 | 12/16/2025 | Cured post close, this will remain a non material B grade, received lenders cure package for fee tolerance fail. ; Cured post close, this will remain a non material B grade, received lenders cure package for fee tolerance fail. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 18.6 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/18/2025 | Rescinded | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | Resolved as cure was made within 60 days of discovery. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  | Rescinded as cure is valid within 60 days of discovery. | 12/18/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/18/2025 | Rescinded | finding-<br>3622 | Compliance | TRID Post-<br>Consummation<br>Reason for<br>Redisclosure<br>Validation Test | This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | Rescinded as post close cure is valid. | 12/18/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/07/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 18.6 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared.<br> ; HMDA Data Tape Provided. | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 18.6 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/29/2025 | Resolved | finding-<br>3652 | Compliance | Lender Credits<br>That Cannot<br>Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($21,418.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($22,140.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Lender credits incorrectly disclosed lender credit for fees over the legal limit however no fees exceeded any threshold. XXX change in DTI which caused a decrease in lender credits. The original XXX lock as been provided with the update in pricing due to the change in DTI; No fees exceeded any threshold so I do not know why $2,640 was listed as fees over the legal limit. Total credit should have been $21,418 with reduction of $722 due to the increase in DTI; Lender Credits | 11/26/2025 | Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated XXX. Condition cleared.; Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated XXX. Condition cleared.; Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated XXX. Condition cleared.; Audit reviewed Lender's response and has determined the credit for increase in Closing Costs above legal limit is for the Lender Credit's reflected on the final CD of $18,778.00 vs what should have been $21,418.00. Audit is unable to determine if the $2,640.00 was refunded to the Borrower. The final settlement statement is not in the loan file to verify correct fees. In addition, the COC form provided by Lender is dated post-closing. Settlement fees cannot decrease post-closing. Please provide final settlement statement verifying final fees and Lender credits to the Borrower. Condition retained.; TILA 130b Cure Required. Refund in the amount of $722.00; 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 $722.00 is due to decrease in Lender Credit from $22,140.00 on LE issued XXX to $18,778.00 on the final CD issued XXX without a valid COC. PCCD in file date 10/10/2025 included a cure of $2,640 which has been applied to the total tolerance violation leaving a remaining cure due of $722.00 or a COC. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance |  | Invalid — See page 607 of the Original submission bookmarks<br> ; HVE | 11/17/2025 | XXX approves XXX — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree | 11/13/2025 | Lender agreed with audit values. Condition cleared.<br> ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 22709.7 vs Lender Total Loan Costs 22634.7. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM1221 | Credit | The Deed of<br>Trust is<br>Incomplete | The Deed of Trust is Incomplete The borrower signed as XXX, however the mortgage is vested as XXX, Trustee of the XXX dated XXXXXX. Therefore, the borrower should have also signed as a trustee for the trust. | Re-Executed SI; Recorded SI | 01/13/2026 | Lender provided the Deed of Trust reflecting Borrower signing as a Trustee of the Living Trust. Condition Cleared. ; The Deed of Trust is Present and Complete; Lender provided the Deed of Trust; however, it does not reflect Borrower signing as a Trustee of the Living Trust. Condition retained. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM1208 | Credit | The Note is<br>Incomplete | The Note is Incomplete The subject property is owned by XXX, Trustee of the XXX dated XXXXXX. However, the note was executed only by XXX, individually, and not as trustee for the XXX. | Note | 12/02/2025 | Lender provided Note reflecting Borrower signed as a Trustee. Condition cleared.; The Note is Present | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for<br>non-subject<br>property | Missing verification of $280 HOA dues (or other fee type) for REO property at XXX used in qualification by the lender. The Final 1003 / AUS indicates a $280 taxes/insurance/association dues fee of $280 that is unverified by documentation obtained for this REO property. | The $280 fee was added in error. Please see revised 1008, 1003 and AUS | 11/21/2025 | Lender provided updated 1003, 1008 and AUS removing the additional $280.00 on property XXX. Audit confirmed taxes and insurance on property match updated documentation. The schedule E supports property does not have HOA fees. Condition cleared. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of 51.89% exceeds AUS DTI of 48.65% Per the credit report, the liabilities are 1126.00 which is more than the AUS on page 17, 629.00. | Supporting docs | 12/10/2025 | Lender provided documentation verifying account paid off and paid down prior to closing supporting the debt obligations Lender used to calculate the DTI. Audit re-calculated DTI of 48.92% is within tolerance of the AUS approved DTI of 48.65%. Condition cleared.; Audited DTI of 48.92% is less than or equal to AUS DTI of 48.65% Lender provided documentation verifying account paid off and paid down prior to closing supporting the debt obligations Lender used to calculate the DTI. Audit re-calculated DTI of 48.92% is within tolerance of the AUS approved DTI of 48.65%. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.62 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid — CU score 2.2 — LCA 1 | 11/13/2025 | Third party valuation product provided within tolerance.; XXX approves XXX Waterfall for Valuation — condition cleared; Audit reviewed Lender's response and has determined a CDA is a XXX overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.62 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.62 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM8804 | Credit | Missing<br>Loan<br>program<br>disclosure | The Designation of Homestead and Affidavit of NonHomestead document that is to be recorded with the county was completed incorrectly; the Affiant's Homestead Property (legal description or street address) was incorrectly filled in with the subject property address of XXX (which is a second home), instead of the borrower's primary residence at XXX. | Homestead Affidavit | 12/18/2025 | Lender provided corrected Affidavit of Occupancy. Condition cleared.; Material | 12/22/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery | 11/19/2025 | Cleared as we have received appraisal delivery. ; Evidence of appraisal delivery provided.; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure - | 11/19/2025 | Required Affiliated Business Disclosure Documentation Provided; Cleared as we have received the missing document. ; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE0387 | Credit | Borrower 2<br>Photo<br>Identification<br>not provided | Borrower 2 Photo Identification not provided. Missing verification of B2 identity via photo identification or Patriot Act Information Form completed based on the photo identification provided by the borrower. | photo identification | 11/19/2025 | Cleared as we have received the missing document. ; Photo Identification provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE0386 | Credit | Borrower 1<br>Photo<br>Identification<br>not provided | Borrower 1 Photo Identification not provided. Missing verification of B1 identity via photo identification or Patriot Act Information Form completed based on the photo identification provided by the borrower. | photo identification | 11/19/2025 | Cleared as we have received the missing document. ; Photo Identification provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud Report<br>not Provided | Missing Third Party Fraud Report XXX guidelines require a Fraud Report (e.g. DataVerify or FraudGuard), with any potential findings satisfactorily cleared prior to closing. |  |  | Cleared as we have received the missing document. ; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM3075 | Credit | Missing US<br>Patriot Act<br>Disclosure or<br>ID | Missing US Patriot Act Disclosure or ID. Missing Patriot Act Disclosure and Photo Identification for B1 and B2. | ID | 11/18/2025 | Cleared as we have received the missing document. ; US Patriot Act Disclosure or ID provided.; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Cleared as we have received the ULI. ; HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 11/19/2025 | Resolved as we have received ULI from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as we have received ULI from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing mortgage statement for borrower's second home at XXX to verify it includes escrows for taxes and insurance. | Statement | 12/02/2025 | Lender provided mortgage statement for property XXX verifying escrows include both taxes and insurance. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Missing mortgage statement for borrower's second home at XXX to verify it includes escrows for taxes and insurance. | 12/04/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Appraisal Delivery | 12/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | 12/04/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU score 2.4, LCA 2 per the UCDP's already provided | 11/17/2025 | XXX approves usage of XXX Waterfall.<br> ; Third party valuation product provided within tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 11/17/2025 | Condition cleared as we have received the ULI. ; Condition cleared as we have received the ULI. ; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Lender may clear finding by providing documentation to support their value.<br> ; Condition cleared as we have received the ULI. ; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Lender may clear finding by providing documentation to support their value. | 11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud<br>Report not<br>Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 11/11/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Appraisal delivery | 12/08/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/09/2025 | Borrower has stable job time — Borrower has 17.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>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. Provide evidence the ICD dated XXX was received a minimum of 3 business days prior to consummation XXX. | XXX received XXX = 4 business days prior to consummation<br> XXX received XXX = 3 business days prior to consummation | 11/17/2025 | Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared. | 11/18/2025 | Borrower has stable job time — Borrower has 17.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 17.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE8611 | Credit | Income/<br>Employment<br>General | The borrower's base income reported on 2024 and 2023 paystubs reflect a base salary that supports income used, 2025 paystub found in the file indicates the borrower's base income significantly decreased and the majority of income received changed to a variable amount. A letter from the employer or additional information was not found in the file addressing the borrower's pay structure change. | We provided 2023 and 2024 paystubs. Advise what page on the Submission package the 2025 paystub can be located. | 11/25/2025 | Audit reviewed Lender's response and has determined the gross income on the 2025 YTD pay stub and the WVOE supports the income calculated by the Lender. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 752 of the Original Submission Bookmarks | 11/17/2025 | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | ULI | 11/14/2025 | Lender provided verification of valid ULI of XXX. Condition cleared.; Material Finding | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Rescinded | FCRE1187 | Credit | Audited<br>LTV<br>Exceeds<br>AUS LTV | Audited LTV of 64.77% exceeds AUS CLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited LTV of 64.77% is less than or equal to AUS CLTV of 64.77% Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Rescinded | FCRE1189 | Credit | Audited<br>HCLTV<br>Exceeds<br>AUS<br>HCLTV | Audited HCLTV of 64.77% exceeds AUS HCLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited HCLTV of 64.77% is less than or equal to AUS HCLTV of 64.77% Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Rescinded | FCRE1188 | Credit | Audited<br>CLTV<br>Exceeds<br>AUS CLTV | Audited CLTV of 64.77% exceeds AUS CLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited CLTV of 64.77% is less than or equal to AUS CLTV of 64.77% Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance. | 12/02/2025 | Borrower has stable job time — Borrower has 25.63 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.77% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.77% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared.<br> ; HMDA data received, no discrepancies noted, condition cleared.<br> ; HMDA Data Tape Provided. | 11/14/2025 | Borrower has stable job time — Borrower has 25.63 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.77% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.77% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $30.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $30. Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC; The Tolerance violation in the amount of $30 is due to increase in Appraisal Fee from $735 to $765 on CD XXX with no corresponding COC. | cure | 12/04/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B. | 12/10/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — LCA 2.5, CU score 1 per the UCDP's already provided | 11/17/2025 | XXX approves usage of XXX Waterfall.<br> ; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA provided. Condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/17/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value for the following;<br> NMLS — XXX<br> ULI — XXX<br> Total loan costs — $6125.7 | 11/14/2025 | Lender agreed with audit values. Condition cleared.<br> ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. Audit Total Loan Costs 6125.7 vs Lender Total Loan Costs MISSING. Audit ULI XXX<br> VS. lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. Please see CU/LCA- meets guidelines | 01/06/2026 | Lender provided UCDP reflecting a CU score of 1.4; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. | 01/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 16.87 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's total loan costs -$5209.15 | 11/18/2025 | Cleared as lender agrees with audit. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 5209.15 vs Lender Total Loan Costs 4935.45. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 16.87 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 16.87 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE1360 | Credit | Borrower 2<br>Paystubs<br>Missing | Borrower 2 Paystubs Missing Paystubs are not in file. | Borrower was on XXX leave during the loan transaction | 12/09/2025 | Lender provided email correspondence from short term insurance company and statement for bi-monthly payment for Borrower 2 for XXX leave reflecting Borrower 2 return to work date. The loan file contains email correspondence from Borrower's employer verifying Borrower is an active employee received 100% of her current rate of pay. Documentation provided and in file meets AUS and FNMA requirements. Condition cleared.; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) Lender provided email correspondence from short term insurance company and statement for bi-monthly payment for Borrower 2 for XXX leave reflecting Borrower 2 return to work date. The loan file contains email correspondence from Borrower's employer verifying Borrower is an active employee received 100% of XXX current rate of pay. Documentation provided and in file meets AUS and FNMA requirements. Condition cleared. | 12/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 11/25/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We create ULI for this client XXX. Please review | 11/24/2025 | Lender provided snippet of XXX verifying valid ULI of XXX. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI number missing. Lender may clear finding by providing documentation to support their value. | 11/25/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The Privacy disclosure shows XXXXXX has affiliates. Provide the affiliated business disclosure dated within 3 business days of application XXX | AfBD | 11/24/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Required Affiliated Business Disclosure Missing The Privacy disclosure shows XXXXXX has affiliates. Provide the affiliated business disclosure dated within 3 business days of application XXX | 11/25/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/21/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/14/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | XXX<br> we provided you an attachment to our system — We create the ULI's — please clear and stop rejecting for no valid reason; ULI | 11/20/2025 | Lender provided valid ULI of XXX. Condition cleared.; Remains active as we have not received anything from lender. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 11/21/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product provided Within Tolerance. |  |  | XXX approved XXX — condition cleared; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product provided Within Tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not<br>Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing documentation verifying the EMD $107,500.00 (Source and seasoning). | Previously provided | 11/24/2025 | Lender provided escrow letter from attorney for receipt of EMD and provided investment statement verifying transfer, with and source and seasoning of EMD. Condition cleared.; Asset Qualification Meets Guideline Requirements | 11/25/2025 | Borrower has stable job time — Borrower has 4.08 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 745 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 4.08 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 745 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | finding-<br>3719 | Compliance | TILA Post-<br>Consummation<br>Revised<br>Closing<br>Disclosure<br>Finance Charge<br>Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,720,824.23. The disclosed finance charge of $1,720,664.50 is not considered accurate because it is understated by more than $100. |  |  | Invalid as fee was cured by lender. | 12/18/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  | Rescinded as cure was made within 60 days of discovery. | 12/18/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; 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 $100.00 is due to increase from $0.00 to $120.00 for the Appraisal Field Review Fee. A lender credit for cure in the amount of $20.00 was not sufficient to cure the entire violation leaving the amount of $100.00 to cure violation. | cure | 12/16/2025 | Condition cured post close as we have received evidence of lender cure. ; Condition cured post close as we have received evidence of lender cure. | 12/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 24.94% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 24.94% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | finding-<br>3652 | Compliance | Lender Credits<br>That Cannot<br>Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,952.67) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,547.62). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | Audit reviewed Lender's response and has determined the loan amount increase and interest rate decrease does not require and additional 3 day waiting period on this loan. The APR decreased, a prepayment was not added and the loan product did not change on this loan; therefore, an additional 3 day waiting period is not required and the disclosure of the decrease in Lender credits due to the interest rate decrease is within tolerance. Condition cleared.; Lender provided a COC and re-disclosed CD dated 09/17/2025 reflecting rate re-lock at a lower rate which decreased the Lender credits. Audit re-ran compliance and has determined the Borrower did not receive the change at least 3 days prior to consummation. Condition retained.; 11/25/2025: Finding added due to initial CD provided. Please provide verification of rate lock date. The initial CD reflects Lender Credits of $5,547.62 and final CD reflects Lender Credits of $2,952.67. Please provide verification of rate lock date and valid COC for decrease in Lender credits from $5,547.62 on initial CD to $2,952.67 on final CD. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/06/2025 | Resolved | FCRE1198 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Number of<br>Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) The loan file is missing asset verification. Short the required 3 months reserves. | Asset Docs | 11/20/2025 | Lender provided Borrower's Asset documentation. Condition cleared.; Audited Reserves of 8.37 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) Lender provided Borrower's Asset documentation. Condition cleared. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing documentation to verify net rental income for XXX required by DU. | Schedule E; the finding for "Borrower 1 Credit Report is Partially Present" was cleared...can this be cleared as well? | 12/15/2025 | AUS is not incomplete; Additional documentation received; exception resolved.; Audit reviewed Lender's response. Please provide schedule E or Lease agreement supporting rental income of $2,900.00 used for property XXX. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/14/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with Audit values, NMLA XXX, Loan Type Conventional, Loan Purpose Refinancing | 11/24/2025 | Lender agreed with audit values. Condition cleared.; Remains active as we have not received anything from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). AND Audit Loan Type Conventional vs Lender Loan Type missing. AND Audit Loan Purpose Refinancing vs Lender Loan Purpose MISSING. AND Audit Mortgage Loan Originator NMLS ID – XXX vs Lender NMLS ID — MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>Date Test | Documentation required to clear exception. Missing the Initial Closing Disclosure issued and acknowledged by the borrower at least 3 days prior to the loan consummation. 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. | Initial CD ; Initial disclosures; Econsent and Initial LE | 11/24/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial disclosures that included the initial Loan Estimate (LE). Please provide the initial Closing Disclosure (CD) to properly complete compliance testing. Condition retained.; Lender provided initial LE; however, it is not for the subject transaction and Lender did not provide initial CD for subject transction. Condition retained. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing VOE from the Work Number or XXX received by DU on XXX for Borrower. | VOE's; VOE | 11/24/2025 | Lender provided WVOE for both Borrower's that was used by the AUS to validate both Borrowers employment and income. Condition cleared.; Income and Employment Meet Guidelines; Lender provided WVOE for Borrower 1 and Borrower 2; however, the Rep ID on the WVOE's provided do not match the AUS in file. Please provide the WVOE from XXX for Borrower 2 and The Work Number for Borrower 1 that the DU used to validate the employment and income for each Borrower. Condition retained. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation confirming Borrower's investment property at XXX has no HOA. | Statement | 11/20/2025 | Lender provided HOA statement for XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCOM9186 | Compliance | eSigned<br>Documents<br>Consent is<br>Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for the initial disclosures esigned XXX. | econsent; Econsent and Initial LE | 11/20/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.<br> ; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Lender provided eConsent; however, it is not for the subject Borrower's or the subject transaction. Condition retained.; Material Finding | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Missing evidence the borrowers received the appraisal report at least 3 business days prior to the loan consummation. | Appraisal tracking | 11/20/2025 | Evidence of appraisal delivery provided. Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Material Finding | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; XXX approves XXX — condition cleared; Third party valuation product provided within tolerance. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/18/2025 | Rescinded | FPRO1246 | Property | Second<br>Appraisal is<br>Expired | Secondary Value Appraisal is Expired | Please see appraisal dated XXX | 11/28/2025 | Secondary Value Appraisal is Not Expired Or Secondary Valuation Does Not Exist Audit reviewed Lender's response and has determined the updated appraisal is in file. Condition rescinded. | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 4471.4 vs Lender Total Loan Costs 4221.4. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree, Total Loan Costs is $4,471.4 | 11/24/2025 | Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared; Material Finding; Lender agreed with audit — condition cleared; Material Finding | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 3438.40 vs Lender Total Loan Costs 3188.40. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | Agree with audit's value — Total Loan Costs 3438.40 | 12/09/2025 | Lender agreed with audit value. Condition cleared.; Material; Material | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Provided Within Tolerance. | This was also provided in the original submission ; Invalid CU score 2.4, LCA1 | 11/26/2025 | Third party valuation product provided within tolerance. Lender provided Freddie Mac UCDP report reflecting LCA score of 1. The FNMA risk score is 2.4. Condition cleared.; Audit reviewed Lender's response and has determined the UCDP report is in file reflecting score of 2.4; however, the Loan Collateral Advisor (LCA) was not found in file. Please provide the LCA reflecting score less than 2.5 to meet guideline requirements. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud Report<br>not Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/14/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Please provide evidence that the borrower received the appraisal 3 business days prior to consummation, XXX. | Evidence | 12/10/2025 | Lender provided appraisal acknowledgement. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE4104 | Credit | Missing<br>explanation<br>and<br>supporting<br>documentation<br>for large<br>deposit(s) | A copy of the wire document for wire into XXX account ending in xXXX on 7/22/25 for $91,931.13 was not found in the file. Lender to provide copy of wire verifying source of funds. | Per FNMA B3-4.2-02, source of large deposits is not required on refinances. | 11/28/2025 | Audit reviewed Lender's response and has determined the XXX account ending in XXX was not needed or used in qualification; therefore, additional documentation is not required. Condition cleared. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE3978 | Credit | Missing<br>Letter of<br>Explanation<br>(Credit) | A copy of the Modification Agreement lowering the monthly payment obligation the borrower receives for the sale of XXX business XXX — NPSC was not found in the file, Lender to provide. | Please see attached | 11/28/2025 | Lender provided LOE from Borrower, with Amortization Schedule and deposit statements verifying monthly deposits of $1,250.00 for sale of business XXXXXX. Condition cleared | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE1193 | Credit | Audited<br>DTI<br>Exceeds<br>Guideline<br>DTI | Audited DTI of 50.09% exceeds Guideline DTI of 50% Loan approved with DTI of 49.71$ and subject property taxes of $598.99 a month, the Tax Record Information Sheet provided by the Title Company indicates $4,173.94 Semi-Annual with a total of $8,347.88 / 12 months equals $695.65. Difference in PITIA is $96.66, audited income is $31.40 less than Lender income. | The borrower has several sources of income. Which source of income came in $31.40 less than our income? | 11/28/2025 | Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender's response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared.; Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender's response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared.; Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender's response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 12/10/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of XXX. Condition cleared.; Material; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE1294 | Credit | Income 3<br>Months<br>Income<br>Verified is<br>Missing | Income 3 Months Income Verified is Missing Award letter not in file. | Award Letters | 11/28/2025 | Lender provided SSA Award letters for both Borrowers. Condition cleared.; Income 3 Months Income Verified is Present Or Not Applicable | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE1292 | Credit | Income 1<br>Months<br>Income<br>Verified is<br>Missing | Income 1 Months Income Verified is Missing Award letter not in file. | Award Letters | 11/28/2025 | Lender provided SSA Award letters for both Borrowers. Condition cleared.; Income 1 Months Income Verified is Present Or Not Applicable | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 12/12/2025 | ULI provided — condition cleared; ULI provided — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 25.22 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 25.22 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Interest rate on the AUS in file does not match the Note or 1008 in file. | AUS | 12/10/2025 | AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared.; AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared.; AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 25.22 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 814 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 28.73% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). There is no evidence of Appraisal delivery to the borrower at least 3 days prior to the consummation date of XXX. | Appraisal Acknowledgement | 12/05/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 20.8 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create the ULI | 12/02/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of XXX. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI missing. Lender may clear finding by providing documentation to support their value. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 20.8 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 20.8 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 23.4 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74.72% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.72% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 12/30/2025 | Condition resolved as we have received lenders ULI. ; Condition resolved as we have received lenders ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Condition resolved as we have received lenders ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 01/02/2026 | Borrower has stable job time — Borrower has 2.8 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Condition resolved as we have received lenders ULI. ; HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/02/2026 | Borrower has stable job time — Borrower has 2.8 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower chose to waive the right to receive the appraisal at least 3 days prior to consummation, but it does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal. | Appraisal Delivery to Borrower | 12/11/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 12/15/2025 | Borrower has stable job time — Borrower has 2.8 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of $1770000 is Less than Total Amount of Subject Lien $XXX Final Title Policy not found in the loan file, Lender to provide policy with a minimum coverage of $XXX. | Final Title | 01/12/2026 | Title Coverage Amount of $1788000 is equal to or greater than Total Amount of Subject Lien $XXX; Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 01/13/2026 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI # XXX<br> We agree with audit's value — total loan costs are $55,918.01<br> NMLS # XXX | 12/09/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of XXX and agreed with audit values for total loan costs and NMLS. Condition cleared.; Material Finding; HMDA discrepancy noted: Missing Lender ULI number. Also, audit total loan costs are $55,918.01 and lenders is missing. Additionally, lenders NMLS is missing. Lender may clear finding by providing documentation to support their value. | 12/11/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/19/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | Affiliated Business; Affiliated Business | 12/09/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 12/09/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCRE3978 | Credit | Missing<br>Letter of<br>Explanation<br>(Credit) | The following inquiries appear on the borrower's Credit Report, a signed letter of explanation was not found in the file:<br> -09/08/25 XXX MISC<br> -09/07/25 XXX/XXX<br> -09/07/25 XXX MISC | LOE | 12/08/2025 | lender provided attestation that Lender obtained validation from Transunion that no new debt was obtained verifying Lender did their due diligence in reference to the credit inquiries. Condition cleared. | 12/09/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Rescinded | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Re run DU with approved loan amount per NOTE of $XXX. DU approval shows $XXX. | Previously provided | 12/02/2025 | AUS is not incomplete Audit reviewed Lender's response and has determined the AUS number 16 reflecting Loan amount of $XXX is in the loan file. Condition rescinded. | 12/04/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Rescinded | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for<br>non-subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditional may apply. | Property is not a PUD or Condo, Schedule E does not indicate HOA | 12/02/2025 | Audit reviewed Lender's response and has determined the schedule E supports property XXX does not have HOA fees. Condition rescinded. | 12/04/2025 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Lender didn't provide income worksheet or address B1 "other income' of $880.97/mo which is needed as ratios are at 49.84% with this income. Paystubs reflect multiple types of income some are not addressed as to what they are or if they will continue. Additional conditions may apply | ICW | 12/02/2025 | Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared. | 12/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.32 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.8% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.32 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.8% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Tracking | 12/16/2025 | Resolved as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided.; Material Finding | 12/18/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 12/10/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of XXX. Condition cleared.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Material Finding | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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, missing proof borrower received appraisal 3 days prior to closing | Appraisal delivery | 12/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 3.66 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Invalid — LCA 2, CU 2.3 | 12/02/2025 | Lender provided FNMA UCDP reflecting risk score of 2.3 and provided Freddie Mac UCDP reflecting risk score of 2. Condition cleared.; Third party valuation product provided within tolerance. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 3.66 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 3.66 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 28.25% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.46 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 16.16 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.97% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.49% is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 78.97% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 10.07 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.32% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.85% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Evidence | 12/30/2025 | Resolved as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material | 01/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM9186 | Compliance | eSigned<br>Documents<br>Consent is<br>Missing | The eSigned consent disclosure is missing. Documentation required. missing proof of e-consent | Application date XXX<br> Initial documents sent XXX<br> Consent provided on XXX | 12/12/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing.; Additional documentation received; exception resolved.; Material | 01/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within 3 business days of application XXX that confirms the lender has affiliates. | Affiliated Business | 12/10/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM3608 | Compliance | Intent to<br>Proceed is<br>Missing | The intent to proceed is missing. Cure — Provide a signed copy of the Intent to proceed dated within 10 business day from Initial LE dated XXX. | Intent to Proceed | 12/10/2025 | Lender provided verification of Borrower's Intent to Proceed. Condition cleared.; Proof of Intent to Proceed has been provided.; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM1266 | Compliance | Homeownership<br>Counseling<br>Disclosure Is<br>Missing | Homeownership Counseling Disclosure Is Missing Cure- provide Homeownership counseling organizations disclosure dated within 3 days of initial application XXX. | Homeownership Counseling Disclosure | 12/10/2025 | Lender provided acknowledgment of Homeownership Counseling disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | ULI | 12/10/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of XXX. Condition cleared.; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 28.87% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.16 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $300.00; 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 $300.00 is due to increase from $2,200.00 to $2,500.00 for the Appraisal Fee. | cure | 12/29/2025 | Condition cured post close and will remain a non material B grade. Received lenders cure package for the appraisal increase fee tolerance. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. — Calculated DTI of 22.4% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.29 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, Loan Titan Inc. has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within 3 business days of application XXX that confirms the lender has affiliates. | Affiliated Business response | 12/09/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. — Calculated DTI of 22.4% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.29 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE1347 | Credit | Borrower<br>2 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing | VOE | 12/02/2025 | Lender provided Verification of Business dated within 10 business days of the Note date. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 12/04/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.88% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 748 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.88% is less than Guideline LTV of 80%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.88% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 748 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.88% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Rescinded | FCRE9995 | Credit | Audited<br>Reserves<br>are less<br>than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $21803.03 are less than Guideline Required Reserves of $22449.6. Guidelines require 3 months reserves and we only have 2.91 months verified. | Per the attached Asset Worksheet, verified funds $243,110.47 minus funds required to close $279,099.44 = $34,011.03 reserves. Required reserves $29,552.34.<br> subject: XXX $7483.20 x 3 mos = $22,449.60<br> REO: XXX UPB $355,137 x 2% = $7102.74<br> Subject reserves $22449.60 + REO reserves $7102.74 = total required reserves $29,552.34<br> FNMA B3-4.1-01 2% of the aggregate UPB if the borrower has one to four financed properties | 12/09/2025 | Audit reviewed Lender's response and has determined assets are sufficient for cash to close and reserves. Condition rescinded.; Audited Reserves of $34361.03 are equal to or greater than AUS Required Reserves of $22449.6. | 12/11/2025 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Curative | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/02/2025 | Borrower has stable job time — Borrower has 3.18 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE1159 | Credit | Hazard<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Hazard Insurance Effective Date of 10-30-2025 is after the Disbursement Date of XXX. Per Hazard Policy | HOI | 12/09/2025 | Lender provided hazard insurance declarations reflecting effective date of XXX. Condition cleared.; Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declarations reflecting effective date of XXX. Condition cleared. | 12/11/2025 | Borrower has stable job time — Borrower has 4.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Borrower has stable job time — Borrower has 4.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3515 | Compliance | Initial Loan<br>Estimate<br>Delivery<br>Date Test<br>(from<br>application) | The application date is XXX. The initial LE in file is dated XXX. It appears the initial LE is missing from the file. Upon receipt, compliance testing will be completed. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Initial LE — pages 18-20<br> SPL page 27<br> Homeownership Counseling Organizations pages 29-31 | 12/10/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3635 | Compliance | Charges That<br>In Total<br>Cannot<br>Increase<br>More Than<br>10% Test | Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application XXX. This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,075.75) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot Increase<br>Test | Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application XXX. 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 $24,557.50.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). |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3652 | Compliance | Lender Credits<br>That Cannot<br>Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($17,380.03) does not exceed or equal the comparable sum of specific and non-specific lender credits ($20,608.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application XXX. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | The application date is XXX, the Homeownership Counseling Organizations Disclosure is dated XXX, greater than 3 days from the application date. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. The HOC counseling disclosure in file is dated XXX and the application date is XXX. Please provide HOC counseling disclosure dated within 3 business days of application date. | Initial LE — pages 18-20<br> SPL page 27<br> Homeownership Counseling Organizations pages 29-31 | 12/10/2025 | Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided within<br>10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | CDA | 12/05/2025 | CDA dated XXX with value of $XXX was provided and is within 10% tolerance of appraisal value of $XXX. Condition cleared.<br> ; Third party valuation product provided within tolerance. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Verify solar agreement doesn't require a monthly payment and meets all FHLMC requirements as agreement in file is unclear. (Note: Lien is appearing on title) | Please see attached. Power Purchase Agreements do not require payments included in DTI. | 12/05/2025 | Lender provided the Solar Power Purchase Agreement verifying no monthly payment required. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines 1. Lender to provide WVOE from employer for B1 as it is unclear from paystubs a traditional salary and borrower on job less than 2 yrs. Lender worksheet showing how income was arrived at was not provided in file. Additional conditions may apply.<br> 2. Lender to provide WVOE from employer for B2 as it is unclear from paystubs a traditional salary and borrower on job less than 2 yrs. Lender worksheet showing how income was arrived at was not provided in file. Additional conditions may apply. | Please see attached WVOE (XXX) and Income Worksheet (both). | 12/08/2025 | Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender's income calculation for both Borrowers. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender's income calculation for both Borrowers. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender's income calculation for both Borrowers. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Appraisal letter | 12/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.31% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.57 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.31% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.31% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.57 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.31% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 21.14% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.59 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 756 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Rescinded | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — SSR's provided — CU score 2.2 LCA 2.5 — Not required | 12/02/2025 | Audit reviewed Lender's response and has determined the UCDP is in the loan file and reflects risk score of 2.2. Condition rescinded.; Third party valuation product provided within tolerance. | 12/03/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 747 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 37.26% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 73.75% is less than Guideline LTV of 89.99%<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | "Lender calculations:<br> ULI XXX<br> Total Loan Costs: $7540.70 — XXX CD<br> NMLS XXX" | 12/12/2025 | Additional documentation received; exception resolved.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO, Lender Total Loan Costs missing. ALSO missing lenders NMLS. Lender may clear finding by providing documentation to support their value. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | ULI is XXX | 12/12/2025 | ULI provided — Lender confirmed — condition cleared; ULI provided — Lender confirmed — condition cleared; ULI provided — Lender confirmed — condition cleared | 12/15/2025 | Borrower has stable job time — Borrower has 6.78 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 6.78 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Document Required :Missing Proof of Appraisal Delivery at least 3 business days prior to the loan consummation. | Appraisal Delivery to Borrower | 12/10/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Document Required :Missing Proof of Appraisal Delivery at least 3 business days prior to the loan consummation. | 12/11/2025 | Borrower has stable job time — Borrower has 6.78 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.87% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 11.57% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 4.77 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.18% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide satisfactory explanation and identify type of income, provide lender worksheet showing and "other income" requirements to show how they arrived at $12,468.40/mo as stated in the file. Please refer to FNMA guidelines Section B3-3.1-09 other sources of income dated 10/8/2025 RSU income if this is applicable. Paystubs do not document as RSU income but as XXX Stocks. Additional conditions may apply. | Income worksheet and RSU docs | 12/05/2025 | Lender provided 2023 and 2024 YTD pay stubs, stock statements and income calculator that included calculation of XXX Stock income. The income documentation supports the income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines | 12/09/2025 | Borrower has stable job time — Borrower has 7.65 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.76% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 32.12% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 38.76% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/02/2025 | Borrower has stable job time — Borrower has 7.65 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.76% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 32.12% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 38.76% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.79% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 43.52% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.52% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 10.65 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 815 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.32% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 22.07 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU score 1.2, LCA 2.5 | 12/04/2025 | Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.54% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 740 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.69 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.54% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 740 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.69 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 25.75 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $7.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $7.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $7.00 is due to increase from $99.00 to $106.00 for the Credit Fee on the initial CD. | COC | 12/10/2025 | Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 25.75 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Lender Calculations:<br> ULI XXX<br> Total Loan Costs: $4,663.70<br> NMLS: XXX | 12/10/2025 | Lender provided valid ULI of XXX and agreed with Total Loan Costs of $4,663.70 and NMLS of XXX. Condition cleared.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO, Lender Total Loans Costs missing. ALSO, missing lenders NMLS. Lender may clear finding by providing documentation to support their value. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3515 | Compliance | Initial Loan<br>Estimate<br>Delivery<br>Date Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation Required- Loan estimate dated within within three business days of the application date of XXX. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot Increase<br>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 $793.70.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation Required- Provide initial loan estimate dated within three business days of application date of XXX. Also provide Written List of Service Providers dated within three business days of application date. If loan estimated dated XXX is the earliest LE, cure required. TILA 130b Cure Required. Refund in the amount of $793.70; 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 $793.70 is due to the timing of initial LE in file dated XXX. | Initial LE, SPL, Counseling | 12/10/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3635 | Compliance | Charges That In<br>Total Cannot<br>Increase More<br>Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,950.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation Required- Provide initial loan estimate dated within three business days of application date of XXX. Also provide Written List of Service Providers dated within three business days of application date. If loan estimated dated XXX is the earliest LE, cure required. TILA 130b Cure Required. Refund in the amount of $3,950; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The 10% tolerance violation in the amount of $3,950 is due to the timing of initial LE in file dated XXX. Also missing Written List of Service Providers dated within three business days of application date. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation Required- Homeownership Counseling Organizations Disclosure dated within three business days of the application date of XXX. | Homeownership Counseling Organizations Disclosure, Loan Estimate, SPL | 12/09/2025 | Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Material Finding | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided within<br>10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA; Secondary value product attached | 12/30/2025 | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance.; Lender provided the appraisal; however, did not provide a CDA supporting the appraisal value within 10% tolerance. Condition retained. | 01/02/2026 | Borrower has stable job time — Borrower has 6.89 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99%<br> Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 6.89 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99%<br> Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | finding-<br>3652 | Compliance | Lender Credits<br>That Cannot<br>Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($9,056.15) does not exceed or equal the comparable sum of specific and non-specific lender credits ($10,043.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required<br> A refund in the amount of $986.85 is required. The cure package must include a Post-Closing Change Disclosure (PCCD), Letter of Explanation (LOE), Copy of Refund Check, and Proof of Delivery or a Valid Change of Circumstance (COC). A lender credit tolerance violation in the amount of $986.85 was identified due to a decrease in Lender Credits from $10,043.00 (revised LE dated XXX) to $9,056.15 (final disclosure).<br> Amount Exceeding Allowable Tolerance: $986.85 | COC | 12/10/2025 | Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared. | 12/11/2025 | Borrower has stable job time — Borrower has 6.89 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99%<br> Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99%<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided The most recent DU Findings included in the loan file Submission Number 11 does not include all pages. Lender to provide a complete copy of the final DU Findings. | AUS | 11/28/2025 | AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared.; AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared.; AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.33% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 4.76 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.33% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 4.76 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | 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 793 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 9.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 18.59% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. AND Audit Total Loan Costs 3049.95 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree with Audit Value's ULI XXX, Total Loan Costs 3049.95 and Loan Originator NMLS XXX. Thank you | 12/12/2025 | Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 18.82% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 3.31 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 742 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 18.82% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 3.31 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 742 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 4.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 720<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Qualifying DTI below max allowed. — Calculated DTI of 26.89% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 46.17% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.17% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 22.81 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 6.48 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 34.73% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.79% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.79% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.01 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 5 Does Not Meet Guideline Requirements A copy of the gift check for $49,200 in the loan file, the check does not identify the donor. The following LP Findings condition was not met:<br> - Evidence of transfer of gift funds from the donor's account to recipient's account or from the donor's account<br> to the closing agent. | Escrow receipt | 12/05/2025 | Lender provided Escrow Deposit Receipt from settlement agent verifying the gift funds of $49,200.00 from the gift donor was given directly to the settlement agent. Condition cleared.; Asset 5 Meets Guideline Requirements Or Not Applicable; Asset 5 Does Not Meet Guideline Requirements A copy of the gift check for $49,200 in the loan file, the check does not identify the donor. The following LP Findings condition was not met:<br> - Evidence of transfer of gift funds from the donor's account to recipient's account or from the donor's account<br> to the closing agent. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.01 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE1964 | Credit | Missing<br>income<br>documentation | Freddie Mac requires the following for RSU income be included in the loan file and was not found:<br> - Evidence the stock is publicly traded<br> - Documentation of the 200-day simple moving average stock price | Please see attached | 12/05/2025 | Lender provided verification the RSU income comes from publicly traded stock. Condition cleared. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.01 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Cured | finding-651 | Compliance | TILA Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,525,450.29. The disclosed finance charge of $1,519,802.24 is not considered accurate because it is understated by more than $100. TILA 130 required: A refund in the amount of $5648.05, cure package: PCCD with LOE, copy of refund and proof of delivery. The following fees included are: Admin $1095, Mtg Broker $9292.06, Tax Service $74, Flood Cert $5, Title Settlement $1986.30 and Prepaid Interest $5728.05. | Borrower was provided a refund of $5,728.05. LOE, PCCD, Refund check & delivery tracking label is provided; cure | 12/29/2025 | Condition cured post close and will remain a non material B grade. Received cure package form lender for finance charge. ; Condition cured post close and will remain a non material B grade. Received cure package form lender for finance charge. ; Lender provided LOE, PCCD copy of Disbursement check and financial statement reflecting cure provided as a principal reduction. The PCCD is not for the subject transaction. Please provide PCCD for the subject transaction. Condition retained. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 3.11 years on job.<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 3.11 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX. please r3eview attached | 12/12/2025 | Lender provided documentation for ULI — condition cleared; Lender provided documentation for ULI — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided documentation for ULI — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Borrower has stable job time — Borrower has 16.98 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 16.98 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | AFBD | 12/10/2025 | Lender provided Affiliated Business disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material | 12/11/2025 | Borrower has stable job time — Borrower has 16.98 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 12/12/2025 | Lender provided ULI documentation — condition cleared; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Borrower has stable job time — Borrower has 14.33 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 743 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 13.83% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 14.33 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 743 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 13.83% is less than Guideline DTI of 45%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Total Loan Costs: $22,652.20 — XXX PCCD | 12/10/2025 | Lender agreed with audit values. Condition cleared.; Material; HMDA discrepancy noted: Audit total loan costs $23071.70 vs Lender value $22652.20<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation | Appraisal Delivery to Borrowers; Mailed | 12/10/2025 | Lender provided LOE for appraisal valuation delivery verifying the date appraisal was provided to the Borrower. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided blanket LOE for appraisal; however, it is not date and does not have delivery information. Please provide documentation to verify the date the Borrower received the appraisal. Condition retained.; Material Finding | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with Audit value of ULI is XXX, NMLS XXX, Total Loan Costs 7722.90 | 12/12/2025 | Lender agrees with audit — condition cleared; Lender agrees with audit — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Audit Total Loan Costs 7722.90 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Audit Total Loan Costs 7722.90 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS XXX vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 25.28 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 12/15/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 25.28 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing a complete copy of AUS. | AUS; AUS | 12/10/2025 | Lender provided AUS with all pages. Condition cleared.; AUS is not incomplete Lender provided AUS with all pages. Condition cleared.; AUS Partially Provided Missing a complete copy of AUS. | 12/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 25.28 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $502.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $502.50; 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 $502.50 is due to increase from $0.00 to $502.50 for the Third Party Processing Fee without a valid COC. Although a COC was found on page 1094, the reason is not valid. Providing additional information and/or a valid reason for the change may cure the violation. | cures | 01/12/2026 | Lender provided the PCCD, LOE, Refund Check and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, Refund Check and evidence of delivery. Loan will be graded a B. | 01/13/2026 | Borrower has stable job time — Borrower has 9.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 14.7% is less than Guideline DTI of 50%<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 9.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 14.7% is less than Guideline DTI of 50%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 769 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 22.53% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 4.47 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | PCCD | 01/08/2026 | Lender provided the PCCD. Total loan costs $10.587.30. Condition cleared. ; Lender provided the PCCD. Total loan costs $10.587.30. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $10737.3<br> vs Lender $10587.3<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.86 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE1159 | Credit | Hazard<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Hazard Insurance Effective Date of 11-20-2025 is after the Disbursement Date of XXX. | Full policy; Effective XXX | 01/07/2026 | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of XXX. Condition cleared.; Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of XXX. Condition cleared.; Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of XXX. Condition cleared. ; Lender provided a snippet of an insurance policy; however, it is not the full page and does not reflect the subject property as the insured property. Please provide a full copy of the insurance policy reflecting the subject address as the insured with effective date of XXX. Condition retained. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.86 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.86 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 8.32 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE1146 | Credit | Title<br>Document<br>is Partially<br>Present | Title Document is incomplete or only partially present. Missing title commitment to reflect all liens recorded that were used to purchase the subject property OR the AUS must be submitted as Refi Cash Out. The AUS in file reflects Limited cash out Refi. The final CD reflects a payoff to XXX in the amount of $1,007,970.30 and to XXX in the amount of $334,433. The title commitment in file reflects one lien dated 12/10/2024 in the amount of $991,500 with XXX. | The main issue is whether this is truly a rate/term refinance or if it's a cash-out refinance. I went back to the underwriting team to help me understand because new construction transactions are a bit different than usual refinances. Please see attached. | 01/16/2026 | Upon further review, the transaction is considered a Rate/Term. The second lien (e.g., a HELOC or piggyback loan) was originally used to purchase the property. In that case, paying off both the first mortgage and the purchase money second is allowed under a Rate/Term (Limited Cash Out) Refinance. Condition cleared.; Title Document is fully Present.; Title Document is incomplete or only partially present. Missing title commitment to reflect all liens recorded that were used to purchase the subject property OR the AUS must be submitted as Refi Cash Out. The AUS in file reflects Limited cash out Refi. The final CD reflects a payoff to XXX in the amount of $1,007,970.30 and to XXX in the amount of $334,433. The title commitment in file reflects one lien dated 12/10/2024 in the amount of $991,500 with XXX. | 01/20/2026 | Borrower has stable job time — Borrower has 26.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. •Missing VOM for other lien paid off on final CD $334,433 XXX.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for XXX to support $1021.58 monthly.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for XXX to support $558.19 monthly. | Regarding XXX, please see attached explanation; Please see attached for XXX and XXX. I'm still working on the XXX Mortgage. | 12/29/2025 | Condition resolved as we have received evidence of the mortgage paid off as construction loan. ; Borrower 1 Credit Report is not partially present.; Finding remains open as Missing VOM for other lien paid off on final CD $334,433 XXX. All other conditions for this finding have been satisfied. ; Borrower 1 Credit Report is Partially Present. •Missing VOM for other lien paid off on final CD $334,433 XXX.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for XXX to support $1021.58 monthly.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for XXX to support $558.19 monthly. | 12/30/2025 | Borrower has stable job time — Borrower has 26.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 26.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.87 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | NonDel — we create the ULI — XXX | 12/31/2025 | Resolved as we have received lenders ULI number. ; Resolved as we have received lenders ULI number. ; Material; Resolved as we have received lenders ULI number. ; Material | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/18/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $211.15.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). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $211.15; 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 $211.15 is due to increase from $0.00 to $211.15 for the Collateral Desktop Analysis. The addition to the Collateral Desktop Analysis Fee on the Initial CD dated XXX was not accepted. The file did not contain any COC or explanation as to why the fee was added. | COC provided | 12/30/2025 | Condition resolved as we have received the missing COC for the CDA fee from lender. ; Condition resolved as we have received the missing COC for the CDA fee from lender. | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | AFB | 12/31/2025 | Condition cleared lender has not affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create the ULI | 12/31/2025 | Resolved as we have received lenders ULI number. ; Material; HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/02/2026 | Borrower has stable job time — Borrower has 22.84 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | AfbD | 12/31/2025 | Resolved as we have received lenders attestation for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/02/2026 | Borrower has stable job time — Borrower has 22.84 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy noted.<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 22.84 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 10.56 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please provide HMDA discrepancies. Thank you | 01/12/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.; HMDA data received, additional discrepancy noted.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing lenders ULI number, AND lenders Loan Originators NMLS ID. ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | HMDA | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.27 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | HMDA Discrepancy | 01/08/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Material; HMDA discrepancy noted: Missing lenders ULI number AND missing lenders Loan Originators NMLS ID, ALSO missing lenders Total Loans costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing all pages of the final Submission to the AUS #13. | AUS | 12/31/2025 | Condition resolved as we have received the complete AUS. ; AUS is not incomplete | 01/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy noted.<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Your exception is citing the audit value and lender value are the same amount of $10,399.53<br> With that said, the XXX CD signed at closing disclosed total loan costs of 10,399.53 however the total loan costs were updated on the XXX post CD at $10,299.53 | 01/09/2026 | Audit agrees with lender findings. Condition cleared. ; Audit agrees with lender findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $10399.53<br> vs Lender value $10399.53<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 4.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). The borrower waived the 3 day timing per the Notice of Right to Receive Appraisal on page 3244, but there is no evidence they received a copy of the report at closing on XXX. Provide evidence when the report was delivered to confirm timing requirements were met. | Evidence | 12/30/2025 | Evidence of appraisal delivery provided.; Material | 01/02/2026 | Borrower has stable job time — Borrower has 4.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added. | 12/21/2025 | Borrower has stable job time — Borrower has 4.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing lenders ULI number AMD missing lenders Loan Originators NMLS ID, ALSO missing lenders Total Loan Costs. Lender may clear finding by providing documentation to support their value. | HMDA | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loan Costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loan Costs. Condition cleared. ; Material | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 34.47% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.95 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy noted.; HMDA Data Tape Provided. | 12/21/2025 | Qualifying DTI below max allowed. — Calculated DTI of 34.47% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.95 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3515 | Compliance | Initial Loan<br>Estimate<br>Delivery<br>Date Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX. The violation can be cured by providing the initial LE within 3 days of application date of XXX Additional conditions may apply. |  |  | Lender provided the initial LE dated XXX. Condition cleared. ; Lender provided the initial LE dated XXX. Condition cleared.; Lender provided the initial LE dated XXX. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3635 | Compliance | Charges That In<br>Total Cannot<br>Increase More<br>Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,646.99) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $2,646.99: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of XXX as the earliest available LE is dated XXX. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. |  |  | Lender provided the initial LE dated XXX. Condition cleared. ; Lender provided the initial LE dated XXX. Condition cleared.; Lender provided the initial LE dated XXX. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot Increase<br>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 $11,159.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $11,159.20: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of XXX as the earliest available LE is dated XXX. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | Initial Loan Disclosures | 01/08/2026 | Lender provided the initial LE dated XXX. Condition cleared. ; Lender provided the initial LE dated XXX. Condition cleared.; Lender provided the initial LE dated XXX. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Homeownership Counseling Disclosure provided to Borrower within 3 days of application date of XXX. | Initial loan disclosures | 01/08/2026 | Lender provided the initial LE dated XXX. Condition cleared. ; Lender provided the initial LE dated XXX. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Material | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3652 | Compliance | Lender Credits<br>That Cannot<br>Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($14,028.04) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,406.04). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1,379; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of XXX as the earliest available LE is dated XXX. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | coc | 01/08/2026 | Lender provided the initial LE dated XXX. Condition cleared. ; Lender provided the initial LE dated XXX. Condition cleared.; Lender provided the initial LE dated XXX. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided within<br>10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM confidence score of 87% is less than minimum required score of 90%. | Per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. | 01/09/2026 | Upon further review, per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. Condition cleared. ; Upon further review, per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided.; HMDA received — no level 3 discrepancies — condition cleared | 12/30/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.94% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/19/2025 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $54.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $54.80; 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 $54.80 is due to the increase of the credit report fee on the LE dated XXX without valid COC. | COC | 01/08/2026 | Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing 2024 W2 for prior job with XXX. DU approval requires YTD paystub and W2s from 2024. | W2 | 01/09/2026 | Lender provided the 2024 W2 for prior position with XXX. Condition cleared. ; Lender provided the 2024 W2 for prior position with XXX. Condition cleared. ; Income and Employment Meet Guidelines | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 4 Does Not Meet Guideline Requirements Missing Final signed/certified copy of CD or HUD 1 for sale of property at XXX with seller proceeds of $486,849.50. Additional conditions may apply. | Final CD | 01/09/2026 | Lender provided the final signed copy of the CD for sale of property at XXX with seller proceeds of $486,849.50. Condition cleared. ; Lender provided the final signed copy of the CD for sale of property at XXX with seller proceeds of $486,849.50. Condition cleared. ; Asset 4 Meets Guideline Requirements Or Not Applicable | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMD data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 12/30/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1173 | Credit | HO6 Master<br>Insurance<br>Policy is<br>Missing | Missing HO-6 Master Insurance Policy Provide HO-6 Master Insurance Policy | That is incorrect. A Master policy is NOT required in this scenario. Per the Appraisal, this is a Individual DETACHED Condo with 4 units ONLY. Sufficient Homeowners insurance covers the property. There is no Master policy; This is a 4 unit condo. Per the condo questionnaire reach owner is responsible for their own insurance. | 01/15/2026 | Upon further review, per the Appraisal, this is a Individual detached Condo with 4 units only. There is no master policy. Condition cleared.; HO-6 Master Insurance Policy is fully present; Audit reviewed the lender's response. Please provide the Master insurance policy for the condominium. Condition retained. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 738 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.17 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74.54% is less than Guideline LTV of 89.99%<br> D A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 738 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.17 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74.54% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/19/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application | Affiliated Business Disclosure | 01/13/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Rescinded | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing proof of 1st rent check,$5,000 deposit for rental on former primary residence at XXX. Also provide processor's cert that lease agreement is only one page. (Unusual for a rental agreement.) Additional conditions may apply. | 1. Per FNMA B3-3.1-08 > Lease Agreements, Form 1007 or Form 1025: When using a lease agreement, it must be supported by a 1007 OR evidence the terms have gone into effect. The file contains a 1007 so verification of the security deposit is not required.<br> 2. The lease agreement is labeled as page 1 of 1. I'm not sure what value a processor's cert would provide. | 01/08/2026 | Audit reviewed Lender's response and has determined the 1007 supporting the rental income calculated by Lender is in the loan file. Condition rescinded.; Income and Employment Meet Guidelines | 01/09/2026 | D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions apply. | HOA | 01/08/2026 | Lender provided verification of HOA fees for XXX. Condition cleared. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Your finding is incomplete — what values from what document are you referring to? | 01/09/2026 | Lender provided valid ULI of XXX. Condition cleared.; Lender provided valid ULI of XXX. Condition cleared.; Material; HMDA discrepancy noted: Audit value (column D) vs Lender value (column C), Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.<br> ; Lender provided valid ULI of XXX. Condition cleared.; Material; HMDA discrepancy noted: Audit value (column D) vs Lender value (column C), Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE9184 | Credit | ULI<br>Number<br>on URLA<br>does not<br>match ULI<br>Number<br>provided<br>by the<br>Lender | The ULI Number on URLA ([ULI]) was not provided on the final 1003. | ULI | 01/08/2026 | Lender provided valid ULI of XXX. Condition cleared.; Material | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA report. | Please see HVE attached. Per AUS Jumbo Guidelines, an HVE is an acceptable secondary value product. | 01/08/2026 | Lender provided HVE supporting appraisal value with FSD score of 3%. Condition cleared.; Third party valuation product provided within tolerance. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of 42.33% exceeds AUS DTI of 39% The DTI calculated does not match the AUS, 47.77 or the 1008, 57.227 in file. Liabilities on the credit report do match the final 1003 and the rental loss matches the 1003 and tax returns. | You have indicated that the Other Liabilities are $2254. It appears you are including XXX C redit #XXX in the amount of $697. However, per the credit report there are fewer than 10 payments remaining. It is not a lease, therefore the payment should not be included. ; Liabilities $10,296.24 / income $25,970 = 39.647%. The difference is 2.683%. If you want the LPA to be rerun, please tell me specifically what numbers you'd like to see so I can give direction to our underwriter. Thanks!; LPA submission #8 DTI 39.647, audited DTI 42.33%<br> 2.683% difference within tolerance. | 01/26/2026 | Upon further review, XXX Credit #XXX in the amount of $697, per the credit report, there are fewer than 10 payments remaining. Condition cleared. ; Audited DTI of 39.65% is less than or equal to AUS DTI of 39.65%; Audit calculations are as follows: Primary: $7,047.98, Other Liabilities: $2,254.00, Net Rental Loss REO Total: $1,691.26. Total Liabilities: $10,993.24. Borrower Income: $25,970.00. DTI: 42.3305%. DTI per LP 39% which exceeds by more than 3%. Please provide a revised AUS. Condition retained. ; Audited DTI of 42.33% exceeds AUS DTI of 39% by 3.33%. Please provide a revised AUS. Condition retained. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.23% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.23% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 26.94 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.23% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.23% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 26.94 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE5774 | Credit | Borrower<br>1 Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation for Taxes, insurance and or HOA for XXX to support $115.04 | Please see attached | 01/09/2026 | Lender provided evidence of taxes in the amount of $115.04. No lien/ insurance on the property. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided evidence of taxes in the amount of $115.04. No lien/ insurance on the property. Condition cleared. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 33.46% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 10.94 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.46% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 10.94 years on job.<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 4.77 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.7% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE0377 | Credit | The<br>Total<br>Hazard<br>Coverage<br>is LESS<br>than the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($700000) is insufficient, not meeting the required coverage amount of ($XXX). | REC, HOI | 01/09/2026 | Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared.<br> ; Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared.<br> ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/12/2026 | Borrower has stable job time — Borrower has 13.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.38% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | LA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 13.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.38% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: Provide evidence borrower received a copy of the appraisal. | Appraisal Delivery | 01/08/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.27 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage<br>is Less<br>than<br>Subject<br>Lien | Title Coverage Amount of $925000 is Less than Total Amount of Subject Lien $XXX Provide Title Coverage Amount of Subject Lien $XXX | Title Policy | 01/09/2026 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX Condition cleared. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX Condition cleared. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.27 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.27 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Acknowledged | FCOM1323 | Compliance | Temporary<br>Buydown<br>Agreement<br>is Partially<br>Provided | File contains a temporary buydown agreement. Pending investor approval. Additional conditions may apply |  |  | Investor acknowledges exception. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Additional conditions may apply. | CA please review this condition, it meets guideline requirements ; SSR's; Invalid — LCA 2.5 CU 2.1 per the UCDP's already provided | 02/03/2026 | Upon further review, a secondary valuation is not required if CU/LCA is less than 2.5. Lender provided the UCDP with a CU/LCA of 2.1. Condition cleared.<br> ; Third party valuation product provided within tolerance.; Audit reviewed Lender's response and has determined the UCDP was not provided and not found in file to verify the risk score to determine if a Third Party Valuation is required. Condition retained. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Most recent AUS in file is missing the last 2 pages. Please provide the complete AUS to confirm sufficient reserves. Additional conditions may apply. | AUS | 01/08/2026 | Lender provided all pages to AUS results. Condition cleared.; AUS is not incomplete Lender provided all pages to AUS results. Condition cleared. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | HMDA | 01/08/2026 | Lender provided valid ULI of XXX, NMLS of XXX and Total Loan Costs of $6,235.95. Condition cleared.; Lender provided valid ULI of XXX, NMLS of XXX and Total Loan Costs of $6,235.95. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value.; Lender provided valid ULI of XXX, NMLS of XXX and Total Loan Costs of $6,235.95. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1328 | Credit | Borrower 1<br>W2/1099<br>Missing | Borrower 1 W2/1099 Missing. The W2's in file for 2023 and 2024 are blank. Please provide the 2 years W2's. Additional conditions may apply. | W2's | 01/08/2026 | Lender provided 2023 and 2024 W2's. Condition cleared.; Borrower 1 W2/1099 Provided | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of $161209.74 is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $161,209.74 is less than the total amount of the subject lien of $XXX.<br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Policy | 01/08/2026 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ALL of this documentation was already provided to you — if the tape is blank, then use the source documents — Total Loan Cost 9574.70 — per the FInal CD already provided — NMLS — XXX — ULI on final 1003 — XXX | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID, ALSO missing lenders Total Loan Costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.71% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.71% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 9.42 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 31.51% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 750 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.71% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.71% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 9.42 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 31.51% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 750 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree — 8060.49 | 01/09/2026 | Lender agrees with audit findings. Condition cleared.<br> ; Lender agrees with audit findings. Condition cleared.<br> ; Material; HMDA discrepancy noted: Audit value Total loan costs $8060.49 vs Lender value $5111.49, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 37.34% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 20.58 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/30/2025 | Qualifying DTI below max allowed. — Calculated DTI of 37.34% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 20.58 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | That is incorrect. A secondary valuation is not required if CU/LCA is less than 2.5; Invalid — CU score 1 | 01/14/2026 | Upon further review, a secondary valuation is not required if CU/LCA is less than 2.5. Lender provided the UCDP with a CU/LCA of 1. Condition cleared. ; Third party valuation product provided within tolerance.; Audit reviewed the lender's response. According to the XXX Correspondent AUS Jumbo Product Profile: 08.18.25 All single appraisal transactions (purchase and refinance) must have a secondary valuation assessment completed prior to the note date. Condition retained. | 01/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCOM1233 | Credit | The Final<br>1003 is<br>Incomplete | The Final 1003 is Incomplete The final 1003 does not show any assets under section 2b, however, asset documentation is in the file. Please provide a revised AUS. Additional conditions may apply. | You findings is contradicting — Do you need a new AUS or 1003. Either one should not be a requirement — Borrowers funds to close is 463.50 a new AUS is not required nor is a 1003 | 01/09/2026 | Audit reviewed the lender's response. No assets are listed on the 1003, however sufficient asset documentation are in the file. Condition cleared. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create ULI | 01/09/2026 | Lender provided documentation to support their value. XXX. Condition cleared. ; Lender provided documentation to support their value. XXX. Condition cleared. ; Material; HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 30.39% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 11.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Incorrect — we go through this with every JUMBO trade — We do not require a third party valuation if the CU score is less than 2.5 and we do not require a CDA when we do require a third party valuation; Invalid — CU score 1 | 01/14/2026 | Upon further review, a third party valuation is not required if the CU score is less than 2.5. Condition cleared. ; Upon further review, a third party valuation is not required if the CU score is less than 2.5. Condition cleared. ; Transaction is the purchase of a primary residence. Please provide the CDA. Additional conditions may apply. Condition retained. | 01/21/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $14.85.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $14.85; 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 $14.85 is due to increase from $1,430.00 to $1,444.85 for the transfer taxes on LE XXX without a COC. | COC | 01/09/2026 | Lender provided a valid COC for the increase in transfer taxes. Condition cleared. ; Lender provided a valid COC for the increase in transfer taxes. Condition cleared. ; Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date Test<br>(prior to<br>consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. The final revised loan estimate and Initial Closing disclosure were both issued XXX which is not allowed. Further clarification is needed. |  |  | Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>4001 | Compliance | TRID<br>Disclosure<br>Delivery<br>Date<br>Validation<br>Test | This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. The final revised loan estimate and Initial Closing disclosure were both issued XXX which is not allowed. Further clarification is needed. |  |  | Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree — 5115.50 | 01/09/2026 | Lender agrees with audit findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $5115.50 vs Lender value $4231.50, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | If the HMDA data is missing from the tape, then use the source documents — all of this information was already provided in the file submission — FINAL CD = Total Loan Cost — 72,279.70; NMLS — XXX; Final 1003 ULI = XXX | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Material; HMDA discrepancy noted: Missing lenders ULI number, AND missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 3.58 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 49.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.15% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 3.58 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 49.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.15% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. •Missing VOM / Mtg statement for XXX to support $581.01 monthly.<br> •Missing documentation of taxes, insurance and or HOA for XXX to support $845.86 monthly. | Please see payment history for XXX; Re XXX: Please see taxes and insurance attached. I am still working on the VOM. | 01/14/2026 | Lender provided the payment history for XXX. Condition cleared. ; Lender provided the payment history for XXX. Condition cleared. ; Lender provided the verification of taxes, insurance and or HOA for XXX to support $845.86 monthly. Please provide the VOM or mortgage statement. Condition retained. | 01/15/2026 | Borrower has stable job time — Borrower has 10.16 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/24/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM previously provided — previous instructions sent to allow for the XXX waterfall — AVM's are acceptable | 01/09/2026 | Lender provided the HVE with a value of $XXXXXX and an FSD score of 12%. Condition cleared. ; Lender provided the HVE with a value of $XXXXXX and an FSD score of 12%. Condition cleared. | 01/12/2026 | Borrower has stable job time — Borrower has 10.16 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 10.16 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 01/14/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.47 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided does not confirm when the borrower received the appraisal. Provide evidence that a copy of the appraisal was sent to the consumer on or before consummation date of XXX. | Appraisal Delivery | 01/12/2026 | Lender provided evidence the appraisal was sent to the consumer on or before consummation date of XXX. Condition cleared. ; Lender provided evidence the appraisal was sent to the consumer on or before consummation date of XXX. Condition cleared. ; Material | 01/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.47 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.47 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Loan purpose No Cash-Out Refi, ULI is XXX | 01/14/2026 | Lender provided the loan purpose No Cash-Out Refi, and ULI. Condition cleared. ; HMDA discrepancy noted: Missing lenders HMDA Loan Purpose, ALSO missing lenders ULI number. Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Material | 01/15/2026 | Borrower has stable job time — Borrower has 3.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 3.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date XXX or provide confirmation the lender has no affiliates. | No Affiliates | 01/09/2026 | Lender provided a signed attestation of no Affiliates. Condition cleared.; Lender provided a signed attestation of no Affiliates. Condition cleared.; Material | 01/12/2026 | Borrower has stable job time — Borrower has 3.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application XXX. | Affiliated Business Disclosure | 01/12/2026 | Required Affiliated Business Disclosure Documentation Provided; ; Lender provided a signed attestation of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Missing; Lender provided a signed attestation of no Affiliates. Condition cleared.<br> ; Lender provided a signed attestation of no Affiliates. Condition cleared.<br> ; Material | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# XXX, Loan Purpose Purchase, lenders ULI number XXX | 01/14/2026 | ; Received ULI.; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, AND missing lenders Loan Purpose, AND missing lenders ULI number. Lender may clear finding by providing documentation to support their value.; Material | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA review complete. | 01/15/2026 | Borrower has stable job time — Borrower has 32.67 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 25.96% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | RI | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 26.06% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 7.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; | 01/15/2026 | Borrower has stable job time — Borrower has 13.48 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.81% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.81% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID is XXX. Please review the uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 5.09 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 5.09 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date XXX or provide confirmation the lender has no affiliates. | ABD | 01/09/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date XXX or provide confirmation the lender has no affiliates. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 5.09 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID is XXX. Please review uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID is XXX. Please review the uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 7.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure | 01/12/2026 | Lender provided the affiliated business disclosure. Condition cleared. ; Lender provided the affiliated business disclosure. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | 01/13/2026 | Borrower has stable job time — Borrower has 7.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/27/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 7.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# XXX | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 3.88 years on job. C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 3.88 years on job. C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | ABD | 01/09/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material | 01/12/2026 | Borrower has stable job time — Borrower has 3.88 years on job. C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Cured | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | na This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  |  | 02/03/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $50.00; 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 $50.00 is due to increase from $550 to $600 for the appraisal fee from LE XXX to LE XXX. The COC dated XXX was not accepted because it did not provide a valid reason for the increase. | cure; Copy of refund, LOE and Post CD; COC | 01/26/2026 | Lender provided the PCCD, LOE, cure in the amount of 50.00, and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, cure in the amount of 50.00, and evidence of delivery. Loan will be graded a B. ; Escalated to our compliance team for review. | 01/27/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | LO NMLS: XXX | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; 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 $100.00 is due to the addition of a Concurrent Loan Fee paid to the lender affiliate on the revised LE dated XXX. COC in file dated XXX does not address the addition of the fee and is considered invalid. Please provide a valid COC or cure package. | COC | 01/13/2026 | Condition resolved as we have received the valid COC from lender for concurrent loan closing fee. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.05 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# XXX , reflected on the 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.05 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.05 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# XXX, on 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.13% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.13% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation to support PITIA in the amount of $1582 for XXX. | Required docs provided | 01/13/2026 | Lender provided documentation to support PITIA in the amount of $1582 for XXX. Condition cleared. ; Lender provided documentation to support PITIA in the amount of $1582 for XXX. Condition cleared. ; Borrower 1 Credit Report is Partially Present. Missing documentation to support PITIA in the amount of $1582 for XXX. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | r NMLSR ID# XXX, reflected on 1003 | 01/14/2026 | Lender provided the lenders NMLSR ID. Condition cleared. ; Lender provided the lenders NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# XXX, provided on 1003 | 01/14/2026 | Lender provided the NMLSR ID# XXX. Condition cleared.; Lender provided the NMLSR ID# XXX. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 21.67 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | AfbD | 01/13/2026 | Required Affiliated Business Disclosure Documentation Provided. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided. Condition cleared. ; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 21.67 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 21.67 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | ULI is XXX | 01/16/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 47.62% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.62% is less than Guideline CLTV of 75%<br> Borrower has stable job time — Borrower has 3.64 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 47.62% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.62% is less than Guideline CLTV of 75%<br> Borrower has stable job time — Borrower has 3.64 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 21.4% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.51% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 50.51% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 2.97 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCOM2002 | Compliance | Disclosed<br>Escrow is<br>Not<br>Accurate on<br>Final CD<br>and/or<br>PCCD | Disclosed Escrow is Not Accurate on Final CD and/or PCCD Please complete the Escrow Property Costs over 1 year on the final CD as well as the PCCD. Currently the figure on page 4 of 5 on the CD's is blank. | PCCD | 01/14/2026 | Condition cleared as we have received the updated CD with escrow costs listed. ; Disclosed Escrow is Accurate on Final CD and PCCD; Material Finding | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 21.4% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.51% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 50.51% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 2.97 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid request — HVE was uploaded and is on pages 835-836 of the Original Loan Bookmarks; Invalid request — AVM provided and is acceptable — CDA is not required | 01/21/2026 | HVE is acceptable, as its a XXX product. Condition cleared.; Pending response from the rating agencies regarding HVE. Condition retained. ; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Incomplete copy of DU approval. Latest is # 17 XXX 6:24pm. Multiple pages are missing. Subject to complete review of entire copy of approval and all conditions and ratios. | Complete AUS | 01/09/2026 | Lender provided a complete copy of the AUS. Condition cleared. ; Lender provided a complete copy of the AUS. Condition cleared. ; AUS is not incomplete | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX. Please review the uploaded Final 1003 | 01/20/2026 | Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date Test<br>(prior to<br>consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. There is no evidence of receipt for LE XXX therefore it is considered mail rule. Provide evidence when the LE was received to determine if timing requirements were met. | LE delivery | 01/12/2026 | Lender provided evidence of receipt of the LE dated XXX. Condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1316 | Credit | Borrower<br>1 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide third party Verification of XXX as required. | Invalid request — VOE's are not required for employment with negative income | 01/09/2026 | Upon further review, VOE's are not required for businesses showing a loss. Condition Cleared. ; Upon further review, VOE's are not required for businesses showing a loss. Condition Cleared. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 29.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. | Appraisal Delivery | 01/14/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 29.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/23/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report |  |  | Document Uploaded. ; Third Party Fraud Report is provided | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Missing evidence of Appraisal Delivery to Borrower at least 3 business days prior to loan consummation. | Appraisal receipt; COC | 01/15/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM | 2nd Appraisal completed as a third party valuation | 01/15/2026 | Upon further review, the 2nd Appraisal completed as a third party valuation. Condition cleared. | 01/28/2026 | Borrower has stable job time — Borrower has 11.96 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.89% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | KY | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.96 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.89% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 21.58 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 32.66% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX; NMLSR ID# XXX, provided on 1003 | 01/16/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. The NMLS ID has been resolved.<br> ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value.<br> ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. The NMLS ID has been resolved.<br> ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/20/2026 | Borrower has stable job time — Borrower has 13.51 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 23.93% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Lender provided the ULI. Condition cleared. ; HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/20/2026 | Borrower has stable job time — Borrower has 13.51 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 23.93% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE6101 | Credit | Audited<br>AUS<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited AUS Interested Party Contribution of 0.16% exceeds maximum AUS interested party contribution standards of 0%. | Finding is invalid/incorrect. IPC's are allowed on JUMBO loans | 01/13/2026 | Upon further review. Interested party contributions are 6%. Condition cleared. ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 01/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Rescinded | FCRE6100 | Credit | Audited<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited Interested Party Contribution of 0.16% exceeds interested party contribution guideline maximum of 0%. | Finding is invalid/incorrect. IPC's are allowed on JUMBO loans | 01/13/2026 | Upon further review. Interested party contributions are 6%. Condition cleared. ; Audited Interested Party Contribution of 0.16% exceeds interested party contribution guideline maximum of 0%. | 01/15/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 31.55% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 12.79 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | HVE | 01/15/2026 | Third party valuation product provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE1364 | Credit | Borrower 2<br>Executed<br>4506-T<br>Missing | Borrower 2 Executed 4506-T Missing Provide Borrower 2 Executed 4506-T |  |  | Borrower 1 Executed 4506-T Provided. Condition cleared. ; Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE1334 | Credit | Borrower 1<br>Executed<br>4506-T<br>Missing | Borrower 1 Executed 4506-T Missing Provide Borrower 1 Executed 4506-T | 4506 | 01/13/2026 | Borrower 1 Executed 4506-T Provided. Condition cleared. ; Borrower 1 Executed 4506-T Provided. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation | Evidence of Appraisal Delivery | 01/28/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing all documentation and Lender income calculation to support $27,785 RSU income. Missing two year vesting schedule from XXX with number of shares vested, the 200 day moving average and lender income calculation. | I calculated two 200-day moving averages:<br> $118.60 as of the application date<br> $133.60 as of the date the most recent income calculation was completed<br> Based on the RSU grant, approximately 3,031.67 units are scheduled to vest over a twelve-month period.<br> Using a 200-day SMA of $118.60, the calculated annual gross income is $359,556.06, resulting in a monthly qualifying income of $29,963.01.<br> Using a 200-day SMA of $133.60, the calculated annual gross income increases to $405,031.11, resulting in a monthly qualifying income of $33,752.59.<br> Both calculations result in qualifying income amounts that exceed the income ultimately used by the underwriter of $27,785.00 | 01/21/2026 | Lender provided the documentation and Lender income calculation to support $27,785 RSU income. Two year vesting schedule from XXX with number of shares vested, the 200 day moving average and lender income calculation. Two 200-day moving averages: $118.60 as of the application date $133.60 as of the date the most recent income calculation was completed Based on the RSU grant, approximately 3,031.67 units are scheduled to vest over a twelve-month period. Using a 200-day SMA of $118.60, the calculated annual gross income is $359,556.06, resulting in a monthly qualifying income of $29,963.01. Using a 200-day SMA of $133.60, the calculated annual gross income increases to $405,031.11, resulting in a monthly qualifying income of $33,752.59. Both calculations result in qualifying income amounts that exceed the income ultimately used by the underwriter of $27,785.00. Condition cleared. ; Income and Employment Meet Guidelines | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# XXX, provided on 1003 | 01/14/2026 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value.<br> ; Lender agreed with HMDA. Condition cleared.; Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM1266 | Compliance | Homeownership<br>Counseling<br>Disclosure Is<br>Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception. Evidence the Homeownership Counseling Disclosure was received within 3 days of the loan application | Homeownership Counseling Disclosure | 01/14/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure response; Affiliated Business Disclosure | 01/20/2026 | Required Affiliated Business Disclosure Documentation Provided; Provide supporting documentation confirming the Affiliated Business Disclosure was delivered within three business days of application, or document the lender has no affiliation with the settlement service providers.; Material Finding | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage is<br>LESS than<br>the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($750000) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of $750,000 is insufficient, not meeting the required coverage amount of $XXX. Missing replacement cost estimate. | RCE | 01/14/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing all pages of the final AUS Submission #11 | AUS | 01/13/2026 | AUS is not incomplete | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Lender NMLS — XXX<br> LO NMLS — XXX | 01/14/2026 | ; NMLS for Lender and LO was indicated on the executed Note.; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value.<br> ; NMLS for Lender and LO was indicated on the executed Note.; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Resubmission to the AUS is required: The IPC of $28,975 exceeds the amount of closing costs on the PCCD of $27,869.60. The Sales Price should be reduced by the amount of excess $1105.40, which will increase the LTV/CLTV to 80.06%.<br> Guidelines allow up to 89.99% LTV/CLTV. | Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K — Please clear | 01/15/2026 | Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K; Upon further review, Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application | No affiliates | 01/14/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material Finding | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | LO NMLS XXX | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 8.34 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | agree with XXX | 01/14/2026 | Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 3.4 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.26% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.05% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.26% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.05% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 01/14/2026 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 14.53 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | Lender provided the ULI. Condition cleared. ; HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/15/2026 | Borrower has stable job time — Borrower has 14.53 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.35 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.35 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Rescinded | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | That is incorrect — XXX waterfall is to be used and this has been established and XXX agrees. Please follow our product profile water fall ; Invalid request — Per the UCDP's already provided CU score 1.4, LCA 1 — third party valuation not required | 01/21/2026 | Upon further review, the XXX AUS Jumbo Product Profile waterfall are to be used. Condition rescinded. ; Audit reviewed the lenders response. Subject transaction is the purchase of a primary residence. A CDA is required per investor. Condition retained. | 01/22/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1293 | Credit | Income 2<br>Months Income<br>Verified is<br>Missing | Income 2 Months Income Verified is Missing Provide complete 2024 personal tax returns including all schedules for Self-Employment income analysis | From our underwriting team: The loan was escalated to the UW manager to utilize the transcripts instead of conditioning for the actual taxes since we had all the data points from the transcripts schedule C required to calculate qualifying income. There was no information missing on the transcripts for the Schedule C. There is no documentation better than the transcripts themselves. There is no Jumbo overlay to not use transcripts, so we follow FNMA policy. | 01/22/2026 | Upon further review, file contains a signed 4506C Sch C income you can use the transcripts. Since all the data points from the transcripts schedule C required to calculate qualifying income. There was no information missing on the transcripts for the Schedule C. Condition cleared. ; Per line 17 of the DU: Based on the information on the loan application, it appears that all XXX's self-employed businesses have been in existence for at least 5 years and may be eligible to be documented with one year of personal tax returns. If any of the self-employed income is being used for qualifying purposes, the income may be supported by personal tax returns covering the most recent one-year period (including all tax schedules), provided the tax returns reflect at least 12 months of self-employment income, the borrower has 25% or greater ownership in the business for five<br> consecutive years, and the Cash Flow Analysis (Form 1084) or equivalent has been completed. Refer to the Selling Guide for additional information. Condition retained.<br> (MSG ID 3729) | 02/03/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Showing evidence that the borrowers received the appraisal at least 3 days prior to consummation, XXX, may cure the violation. | Proof; Acknowledgement of receipt of appraisal | 02/02/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the 3 days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely; Material | 02/03/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud Report<br>not Provided | Missing Third Party Fraud Report Provide Fraud Report with OFAC cleared alerts including OFAC Check and Interested Parties Checked with Exclusionary Lists | You did not review — the document provided IS the Fraud report — I am uploading again for review ; Provided in original submission | 01/29/2026 | Lender provided the complete third party fraud report. Condition cleared. ; Third Party Fraud Report is provided; Audit reviewed the lender's response. Please provide a Third Party Fraud Report. Condition retained. | 01/30/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/26/2026 | Rescinded | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  | Cure package provided to the borrower prior to review; Exception resolved | 01/26/2026 | D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/26/2026 | Resolved | finding-<br>3719 | Compliance | TILA Post-<br>Consummation<br>Revised<br>Closing<br>Disclosure<br>Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,366,724.06. The disclosed finance charge of $1,365,263.52 is not considered accurate because it is understated by more than $100. This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,366,584.06. The disclosed finance charge of $1,365,263.52 is not considered accurate because it is understated by more than $100. |  |  | Cure package provided to the borrower prior to review; Exception resolved | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | finding-651 | Compliance | TILA Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,366,724.06. The disclosed finance charge of $1,366,585.02 is not considered accurate because it is understated by more than $100. TILA 130b Cure Required. Refund in the amount of $139.04; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the finance charge calculation include: settlement fee ($500.00), closing protection letter ($50.00), prepaid interest ($3,049.44), flood certification ($11.50), processing fee ($750.00) and verification of employment ($150.00). Please provide fee breakdown of APR fees or cure package. | All cure docs provided in original submission | 01/22/2026 | Cure package provided to the borrower prior to review; exception resolved; Cure package provided to the borrower prior to review; exception resolved | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1347 | Credit | Borrower 2<br>3rd Party VOE<br>Prior to Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide 3rd party VOE for borrower or CPA letter | CPA letter was provided in the original submission | 01/22/2026 | Lender provided borrower 2 3rd Party VOE. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 01/19/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 751 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 33.4% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 7.43 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA |  |  | Third party valuation product provided within tolerance. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, discrepancy finding added.<br> ; HMDA Data Tape Provided. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX, Lender NMLS ID is XXX | 01/30/2026 | ; ULI is valid.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for<br>non-subject<br>property | Missing proof of taxes and HOA on XXX XXX property. Also missing taxes on XXX property. Additional conditions may apply. | Regarding XXX: I googled the property and it appears to be located in an older, established neighborhood where HOA dues are unlikely. | 01/22/2026 | Lender provided evidence of taxes and Property profile showing SFR on the XXX property. Taxes on XXX property. Condition cleared. ; Lender provided evidence of taxes and Property profile showing SFR on the XXX property. Taxes on XXX property. Condition cleared. | 01/26/2026 | Borrower has stable job time — Borrower has 24.82 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/19/2026 | Borrower has stable job time — Borrower has 24.82 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 02/04/2026 | Borrower has stable job time — Borrower has 32.96 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 740<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, discrepancy finding added.<br> ; HMDA Data Tape Provided. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.41% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 53.41% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 13.29 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX | 01/30/2026 | ; The ULI is valid.; Material; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.41% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 53.41% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 13.29 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 21.62 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation needed to clear: Please provide homeownership counseling organizations disclosure dated within 3 business days of application date XXX | Homeownership Counseling Organizations Disclosure | 01/30/2026 | Lender provided the homeownership counseling organizations disclosure dated within 3 business days of application date XXX. Condition cleared. ; Material | 01/30/2026 | Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.06% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.06% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Closed End Second — 30 yr refinance, no cash-out<br> Property value of $XXX confirmed by appraisal | 01/20/2026 | Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $XXX confirmed by appraisal. Condition cleared.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $XXX confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $XXX confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $XXX confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $XXX confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99%<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR QM<br>ATR<br>Status** | **Loan Status** | **Exception Date** | **Remediation<br>Status** | **Exception ID** | **Exception Type** | **Exception<br>Category** | | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response Date** | **Compensating**<br> **Factors** | **Initial<br>Overall<br>Loan<br>Grade** | **Final<br>Overall<br>Loan<br>Grade** | **Initial<br>Exception<br>Grade** | **Final<br>Exception<br>Grade** | **Initial<br>Credit<br>Grade** | **Final<br>Credit<br>Grade** | **Initial<br>Property<br>Valuation<br>Grade** | **Final<br>Property<br>Valuation<br>Grade** | **Initial<br>Compliance<br>Grade** | **Final<br>Compliance<br>Grade** | **Initial<br>Overall<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial Credit<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial<br>Property<br>Valuation<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial<br>Compliance<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial<br>Overall<br>Grade<br>(Fitch)** | **Initial<br>Credit<br>Grade<br>(Fitch)** | **Initial<br>Property<br>Valuation<br>Grade<br>(Fitch)** | **Initial<br>Compliance<br>Grade<br>(Fitch)** | **Initial<br>Overall<br>Grade<br>(Kroll)** | **Initial<br>Credit<br>Grade<br>(Kroll)** | **Initial<br>Property<br>Valuation<br>Grade<br>(Kroll)** | **Initial<br>Compliance<br>Grade<br>(Kroll)** | **Initial<br>Overall<br>Grade<br>(Moodys)** | **Initial<br>Credit<br>Grade<br>(Moodys)** | **Initial<br>Property<br>Valuation<br>Grade<br>(Moodys)** | **Initial<br>Compliance<br>Grade<br>(Moodys)** | **Initial<br>Overall<br>Grade<br>(S&P)** | **Initial<br>Credit<br>Grade<br>(S&P)** | **Initial<br>Property<br>Valuation<br>Grade<br>(S&P)** | **Initial<br>Compliance<br>Grade<br>(S&P)** | **Final Overall<br>Grade<br>(DBRS/<br>Morningstar)** | **Final Credit<br>Grade<br>(DBRS/<br>Morningstar)** | **Final<br>Property<br>Grade<br>(DBRS/<br>Morningstar)** | **Final<br>Compliance<br>Grade<br>(DBRS/<br>Morningstar)** | **Final<br>Overall<br>Grade<br>(Fitch)** | **Final<br>Credit<br>Grade<br>(Fitch)** | **Final<br>Property<br>Grade<br>(Fitch)** | **Final<br>Compliance<br>Grade<br>(Fitch)** | **Final<br>Overall<br>Grade<br>(Kroll)** | **Final<br>Credit<br>Grade<br>(Kroll)** | **Final<br>Property<br>Grade<br>(Kroll)** | **Final<br>Compliance<br>Grade<br>(Kroll)** | **Final<br>Overall<br>Grade<br>(Moodys)** | **Final<br>Credit<br>Grade<br>(Moodys)** | **Final<br>Property<br>Grade<br>(Moodys)** | **Final<br>Compliance<br>Grade<br>(Moodys)** | **Final<br>Overall<br>Grade<br>(S&P)** | **Final<br>Credit<br>Grade<br>(S&P)** | **Final<br>Property<br>Grade<br>(S&P)** | **Final<br>Compliance<br>Grade<br>(S&P)** |
| 131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien |  | Title Coverage Amount of $850000 is Less than Total Amount of Subject Lien $XXX Lender to provide updated title coverage to reflect the minimum of loan amount of $XXX. | Title Coverage | 01/20/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99% | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $550.00, cure package requires a PCCD, LOE, Copy of refund check , and Proof of Delivery or Valid COC. The 0% tolerance violation is due to the increase in the Appraisal Fee from $800.00, to $1,350.00 on the initial CD dated XXX without a valid COC in file. Please provide a COC or cure package. | COC | 01/20/2026 | Lender provided a valid COC for the increase in the appraisal fee from $800.00 to $1,350.00. Condition cleared. ; Lender provided a valid COC for the increase in the appraisal fee from $800.00 to $1,350.00. Condition cleared. | 01/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of 27.2% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.12% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.12% is less than Guideline CLTV of 80% | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided |  | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 27.2% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.12% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.12% is less than Guideline CLTV of 80% | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 127 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided |  | AUS Partially Provided Only part of the AUS is in the file. | Attached DU cert submission #6 appears to be complete. What do you feel is missing?; provided and accepted, two same findings | 01/15/2026 | Lender provided a complete copy of the AUS. Condition cleared. ; AUS is not incomplete; Audit reviewed the lender's response. Please provide a complete copy of the AUS. Condition maintained. | 01/16/2026 | Borrower has stable job time — Borrower has 7.75 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 26.24% is less than Guideline DTI of 45% | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 127 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided |  | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 7.75 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 26.24% is less than Guideline DTI of 45% | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 140 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy | <br>(s) <br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is XXX, agree | 01/16/2026 | Lender agrees with audit findings. Condition cleared.<br> ; Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI XXX vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 10.76% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 10.44 years on job. | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 10.76% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 10.44 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3978 | Credit | Missing<br>Letter of<br>Explanation<br>(Credit) | Provide evidence that no new open tradelines resulted from credit inquiries on 09/10/2025 from XXX, 08/13/2025 from XXX/XXX and 08/12/2025 from XXX | Inquiry LOE | 01/20/2026 | Lender provided evidence that no new open tradelines resulted from credit inquiries on 09/10/2025. Condition cleared. | 01/21/2026 | Borrower has stable job time — Borrower has 15.97 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MI | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 15.97 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 25.01% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 20.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 740<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $8,153.93.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $8,153.93; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The first zero tolerance violation in the amount of $8,078.93 is due to increase from $0.00 to $8,078.93 for the addition of the Broker Fee on the final CD dated XXX without a valid COC in file. The second zero tolerance violation in the amount of $75.00 is due to increase from $825.00 to $900.00 for the Appraisal Fee on the revised LE dated XXX. COC in file dated XXX does not detail a valid reason for the fee increase. Please provide valid COC's or cure package. | COC's | 01/14/2026 | Lender provided a valid COC for the increase in the appraisal fee and broker fee. Condition cleared. ; Lender provided a valid COC for the increase in the appraisal fee and broker fee. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 22.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 746 is greater than Guideline minimum FICO of 680<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.36% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 59.36% is less than Guideline LTV of 80%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | ; HMDA tape provided, no discrepancies noted condition cleared. | 02/04/2026 | Borrower has stable job time — Borrower has 22.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 746 is greater than Guideline minimum FICO of 680<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.36% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 59.36% is less than Guideline LTV of 80%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The LCA risk score of 4 is greater than 2.5 maximum allowed. |  |  | Third party valuation product provided within tolerance. | 01/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.93 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.93 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA provided in the original submission | 01/20/2026 | Third party valuation provided within tolerance. Condition cleared.<br> ; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 8.25 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/19/2026 | Borrower has stable job time — Borrower has 8.25 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Borrower has stable job time — Borrower has 26.11 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/16/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Appraisal Delivery; Appraisal<br> delivery | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Borrower has stable job time — Borrower has 26.11 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 26.11 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/02/2026 | Rescinded | FCOM3813 | Credit | Purchase<br>Contract<br>does not<br>Match Final<br>CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)<br> 12 CFR 1026.38(a)(3)(vii) |  |  |  | 02/03/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA Data Tape Provided. | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE0382 | Credit | Assets do<br>not meet<br>guideline<br>requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing evidence of the Net proceeds form sale of property of $789,031.26 | Settlement statement from sale of departing home | 01/30/2026 | Funds are found to meet guidelines. | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE9995 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $19018.59. | This should clear with verification of proceeds. | 01/30/2026 | Audited Reserves of $265498.9 are equal to or greater than AUS Required Reserves of $19018.59.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing evidence of the Net proceeds form sale of property of $789,031.26 | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Rescinded | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Not required.; Not required. | 01/27/2026 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Rescinded | FCRE1198 | Credit | Audited<br>Reserves<br>are less than<br>Guideline<br>Required<br>Reserves<br>(Number of<br>Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) |  |  | Rescinded as this is a duplicate finding. | 01/27/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 764 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.83% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.83% is less than Guideline CLTV of 90%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 764 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.83% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.83% is less than Guideline CLTV of 90%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 47.87 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 47.87 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TN | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 26.01% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 755 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 10.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.41% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 36.25 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 720%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.41% is less than Guideline LTV of 80%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE1145 | Credit | Title<br>Document<br>Missing | Title Document is missing | Please review ; Please review | 02/03/2026 | Title Document is fully Present | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.34 years on job.<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.34 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | DE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — AVM provided at time of initial submission | 01/28/2026 | Third party valuation provided within tolerance. Condition cleared.<br> ; Third party valuation product provided within tolerance. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.34 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.78% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.78% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The file is missing the ABD from the lender. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.78% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.78% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $150.00.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). The exception is tied to the initial CD missing a receipt date at least 3 business days prior to consummation. A valid COC was provided for the addition of the final inspection fee. | ICD delivery | 01/29/2026 | Lender provided evidence for the CD dated within 3 business day prior to consummation of XXX. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of XXX. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of XXX. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of XXX. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of XXX. Condition retained. | 02/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>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 to clear exception: The initial CD is missing Borrower signature or other acknowledgement of receipt. The earliest CD in the loan file was issued on XXX. The violation can be cured by providing a copy of initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation. | ICD; Initial Closing Disclosure Delivery Date | 01/30/2026 | Lender provided the tracking form confirming receipt within 5 business days prior to the XXX consummation date. Condition cleared. ; Lender provided the tracking form confirming receipt within 5 business days prior to the XXX consummation date. Condition cleared. ; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of XXX. Condition retained.; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of XXX. Condition retained. ; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of XXX. Condition retained. | 02/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The ABD from the lender is missing. | Affiliated Business | 01/29/2026 | Lender provided an attestation of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM3075 | Credit | Missing US<br>Patriot Act<br>Disclosure<br>or ID | Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or valid ID. | US Patriot Act Disclosure | 01/27/2026 | ; Missing US Patriot Act Disclosure or ID.; Received completed patriot disclosure; Material | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 14.33 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 14.33 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 29.5% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 801 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The ABA is not provided. Please provide proof of delivery and receipt within 3 business days of application date. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 29.5% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 801 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value missing, ALSO missing lenders NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | We agree with Audit ULI XXX. Lender's NMLS ID XXX | 01/30/2026 | ; ULI is valid.; Material | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX AL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.02% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 52.02% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 19.14 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX AL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XXX or provide confirmation the lender has no affiliates. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.02% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 52.02% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 19.14 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings.; HMDA discrepancy noted: Audit sales price $XXX vs Lender value $XXX, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreeing with audit's finding, or providing documentation to support their value. Note, there are multiple final CD's and PCCD's listing the two different sales prices, contract lists $XXX | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 762 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Additional discrepancy finding added.; HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 762 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit Loan purpose Refinancing<br> vs Lender loan type missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 4.64 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 4.64 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 4.64 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings.; HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.9 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.9 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | Agree with the Audit's ULI XXX | 01/30/2026 | ; Lender agrees with audit findings. Condition cleared.<br> ; Material | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.31% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.31% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 5.28 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.31% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.31% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 5.28 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 02/03/2026 | Resolved | FCRE6101 | Credit | Audited<br>AUS<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited AUS Interested Party Contribution of 1.58% exceeds maximum AUS interested party contribution standards of 1.51%. |  |  | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 01/08/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Interested Party Contributions exceed Total Closing Costs. On the Property page, navigate to the Purchase Contract card and reduce the Sales Price by the excess amount. The AUS is required to be re-ran lowering purchase price by the ICP overage of $1,112.89. | Incorrect — there is no IPC violation and no need for an AUS re-run | 01/13/2026 | AUS is not incomplete; AUS Partially Provided -> The financing concessions must be equal to or less than the sum of the closing costs: Review of the Final CD, the Realtor Credit (page 3) exceeds the Total Closing Costs (page 1) — An updated AUS resubmission is required to decrease the purchase price by the overage amount ($1112.89) and must reflect an approval with the higher LTV. | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 02/03/2026 | Resolved | FCRE6100 | Credit | Audited<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited Interested Party Contribution of 1.58% exceeds interested party contribution guideline maximum of 1.51%. |  |  | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Curative | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for<br>non-subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XXX HOA | 01/22/2026 | Lender provided an LOE from the borrower of no HOA on XXX. Condition cleared. ; Lender provided an LOE from the borrower of no HOA on XXX. Condition cleared. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business Disclosure | 01/22/2026 | Lender provided the affiliated business disclosure. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). A 3-day waiver was provided, however, evidence of appraisal delivery at or prior to consummation is missing. | Invalid — evidence provided in original submission | 01/09/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create ULI — XXX | 01/09/2026 | Lender provided documentation to support value: XXX. Condition cleared. ; Lender provided documentation to support value: XXX. Condition cleared. ; Material; HMDA discrepancy noted: Audit ULI XXX<br> vs Lender value XXX<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE1347 | Credit | Borrower 2<br>3rd Party<br>VOE Prior<br>to Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for B2 within 10 days of closing. Verifications in file are not within 10 days of closing. | VOE | 01/09/2026 | Lender provided VVOE within 10 business days of closing. Condition cleared. ; Lender provided VVOE within 10 business days of closing. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/26/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Per AUS Jumbo guidelines, if LCA returns no score, a CU score < 2.5 is sufficient. | 01/08/2026 | Lender provided UCDP report reflects a risk score of 1.4; therefore, an additional Third Party valuation is not required. Condition cleared.; Third party valuation product provided within tolerance. | 01/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings.; HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/29/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.18% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.18% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 29.9% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.81 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/16/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Borrower has stable job time — Borrower has 13.07 years on job. C A |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Cured | finding-<br>3622 | Compliance | TRID Post-<br>Consummation<br>Reason for<br>Redisclosure<br>Validation<br>Test | na This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | ; ; | 02/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 5.46 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $90.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $90.00; 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 $90.00 is due to increase from $720.00 to $810.00 for the Appraisal Fee. COC in file referencing appraisal fee is dated XXX and change was on LE XXX. | cured | 01/26/2026 | Lender provided the PCCD, LOE, refund of $90.00 and evidence of delivery. Loan will be graded a B. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 5.46 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 5.46 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of 26.92% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCOM1225 | Credit | Second Home<br>Rider is<br>Missing | Second Home Rider is Missing | Second Home Rider | 02/03/2026 | Lender provided the signed second home rider. Condition cleared. | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business | 02/03/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Subject property is 2nd Home. Please review uploaded ; NonDEL<br> ULI — XXX<br> AUS/1008 — Second home<br> Conflicting documents — Secondary / primary<br> No Second Home Rider" | 01/16/2026 | Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a primary residence and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit occupancy is Primary Residence and lenders is Second Home. Lender may clear finding by providing documentation to support their value.; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a primary residence and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit occupancy is Primary Residence and lenders is Second Home. Lender may clear finding by providing documentation to support their value.; Material Finding | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A C B |

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## Exhibit 99.8

**EXHIBIT 99.8** 

**CONSOLIDATED ANALYTICS DATA COMPARE REPORT** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 61 | XXXXXX | Qualifying CLTV | 45.6 | 46.0 | Per Appraisal |
| 61 | XXXXXX | Qualifying LTV | 45.6 | 46.0 | Per Appraisal |
| 61 | XXXXXX | Total Qualified Assets Post-Close | 199675.17 | 209693.79 | per Assets |
| 61 | XXXXXX | Qualifying Total Debt Income Ratio | 43.05 | 44.81 | Per REO docs. CA have lower taxes per cert provided |
| 71 | XXXXXX | Property Address | XXXXXX | XXXXXX | XXXXXX per the note |
| 71 | XXXXXX | Qualifying CLTV | 71.16 | 72.0 | 71.16 is the actual CLTV. 72 is rounded by the AUS |
| 71 | XXXXXX | Qualifying LTV | 71.16 | 72.0 | 71.16 is the actual LTV. 72 is rounded by the AUS |
| 71 | XXXXXX | Total Qualified Assets Post-Close | 185047.54 | 618190.0 | 185047.54 is the total verified assets post closing. The lenders assets are prior to closing, but minus the EMD. |
| 71 | XXXXXX | Qualifying Total Debt Income Ratio | 29.69 | 29.64 | The HOA for the retained residence is $175 monthly, The lender included $139 monthly. The increase to the DTI is within tolerance. Resubmission is not required. |
| 72 | XXXXXX | Property Address | XXXXXX | XXXXXX | address is correct |
| 72 | XXXXXX | Qualifying CLTV | 79.34 | 79.33 | correct |
| 72 | XXXXXX | Qualifying LTV | 79.34 | 79.33 | correct |
| 72 | XXXXXX | Total Qualified Assets Post-Close | 176615.92 | 334480.43 | Total post close assets are correct |
| 72 | XXXXXX | Qualifying Total Debt Income Ratio | 38.81 | 39.0 | CLTV correct |
| 77 | XXXXXX | Total Qualified Assets Post-Close | 3432604.3 | 3694651.32 | Per Assets |
| 77 | XXXXXX | Qualifying Total Debt Income Ratio | 19.19 | 21.05 | Per REO docs . housing updated per mortgage stmt on file |
| 70 | XXXXXX | Borrower 2 SSN | XXXXXX | XXXXXX | Per 1003 |
| 70 | XXXXXX | Total Qualified Assets Post-Close | 133757.88 | 453564.34 | Per Assets |
| 87 | XXXXXX | Borrower 2 SSN | XXXXXX | XXXXXX | The 1003, tax return and transcripts match the Audit true data #1012. |
| 87 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | $240.37 per the dec page (p.1627) and the final CD |
| 87 | XXXXXX | Total Qualified Assets Post-Close | 119099.76 | 377738.76 | $377,738.76 Total available assets verified by Audit Prior to Closing<br> $377,738.76 Total available assets verified by Lender/AUS Prior to Closing<br> $119,099.76 Total available assets verified by Audit Post-Closing |
| 158 | XXXXXX | Total Qualified Assets Post-Close | 194617.54 | 433968.78 | The verified assets are insufficient. The loan file contains two XXX accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. |
| 68 | XXXXXX | Total Qualified Assets Post-Close | 215766.81 | 485550.95 | All assets are missing at this time. Assets were entered by Pre UW as listed on the final 1003/entered in the AUS |
| 68 | XXXXXX | Qualifying Total Debt Income Ratio | 28.63 | 29.0 | 28.63 is the actual DTI. 29 is rounded by the AUS |
| 157 | XXXXXX | Total Closing Costs | 11018.87 | 26528.04 | Per CD |
| 157 | XXXXXX | Qualifying CLTV | 58.87 | 59.0 | Per CLTV |
| 157 | XXXXXX | Qualifying LTV | 58.87 | 59.0 | Per LTV |
| 157 | XXXXXX | Total Qualified Assets Post-Close | 263725.15 | 1065429.4 | Per assets |
| 155 | XXXXXX | Total Qualified Assets Post-Close | 28304.09 | 32076.71 | Per assets |
| 154 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX | Capitalization. |
| 154 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Capitalization. |
| 154 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX | Capitalization. |
| 154 | XXXXXX | Qualifying CLTV | 79.9 | 80.0 | Rounding. |
| 154 | XXXXXX | Qualifying LTV | 79.9 | 80.0 | Rounding. |
| 154 | XXXXXX | Total Qualified Assets Post-Close | 179703.07 | 110295.51 | Total qualified assets post closing confirmed with asset documentation in file. |
| 154 | XXXXXX | Qualifying Total Debt Income Ratio | 43.26 | 38.78 | . |
| 93 | XXXXXX | Qualifying CLTV | 69.51 | 70.0 | Tape data matches findings which is rounded up. |
| 93 | XXXXXX | Qualifying LTV | 69.51 | 70.0 | Tape data matches findings which is rounded up. |
| 93 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data matches documents in the file and matches Final CD. |
| 93 | XXXXXX | Total Qualified Assets Post-Close | 333814.38 | 1727776.52 | True data is assets after close. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 183 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |
| 183 | XXXXXX | Qualifying Interest Rate | 6.5 | 6.625 | True data verified per note. |
| 183 | XXXXXX | Number of Units | 1 | 11 | True data verified per appraisal. |
| 183 | XXXXXX | Qualifying FICO | 790 | 0.0 | True data verified per credit report. |
| 183 | XXXXXX | Qualifying Total Debt Income Ratio | 29.81 | 48.43 | True data verified per income docs, credit report and other documents. |
| 66 | XXXXXX | Total Qualified Assets Post-Close | 203863.8 | 503756.03 | True data verified per bank statements. |
| 66 | XXXXXX | Qualifying Total Debt Income Ratio | 48.63 | 49.0 | True data verified per credit report and other loan documents. |
| 59 | XXXXXX | Property County | XXXXXX | XXXXXX | County is correct |
| 59 | XXXXXX | Total Qualified Assets Post-Close | 671147.42 | 732493.73 | post close assets are confirmed |
| 59 | XXXXXX | Qualifying Total Debt Income Ratio | 44.94 | 47.71 | DTI has been confirmed |
| 90 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Per note borrower last name is XXX. |
| 90 | XXXXXX | Total Qualified Assets Post-Close | 477166.22 | 593296.49 | Discrepancy is due to data entry, True Data is correct |
| 64 | XXXXXX | Qualifying CLTV | 79.45 | 80.0 | As per Loan amount / Appraisal value 79.45% LTV. Tape data is AUS LTV rounded up to 80%. |
| 64 | XXXXXX | Qualifying LTV | 79.45 | 80.0 | As per Loan amount / Appraisal value 79.45% LTV. Tape data is AUS LTV rounded up to 80%. |
| 64 | XXXXXX | Qualifying Total Debt Income Ratio | 42.48 | 43.5 |  |
| 69 | XXXXXX | Qualifying FICO | 734 | 0.0 | True data verified per credit report. |
| 69 | XXXXXX | Qualifying Total Debt Income Ratio | 48.92 | 48.64 | True data verified per credit report and other loan documents. |
| 187 | XXXXXX | Total Closing Costs | 27277.86 | 112757.11 | As per Final CD Closing Costs of $27,277.86. Tape data figure of $112,757.11 is the seller credits total costs identified on the 1003. |
| 187 | XXXXXX | Qualifying FICO | 796 | 0.0 | As per median credit score determined by audit and AUS. Tape data is 0. |
| 187 | XXXXXX | Qualifying CLTV | 48.28 | 49.0 | As per CLTV per audit. Tape data is rounded up to 49% and matches AUS which is rounded up. |
| 187 | XXXXXX | Qualifying LTV | 48.28 | 49.0 | As per LTV per audit. Tape data is rounded up to 49% and matches AUS which is rounded up. |
| 187 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | As per audit total $XXX of all property insurances (hazard + flood + windstorm/hail). Tape data is Hazard Insurance monthly payment only of $XXX. |
| 187 | XXXXXX | Qualifying Total Debt Income Ratio | 41.91 | 41.03 | As per Audit calculation of DTI. Audit DTI is higher due to subject property taxes calculated higher due to homestead exemption being removed. |
| 190 | XXXXXX | Qualifying LTV | 68.63 | 69.0 | Rounding. |
| 190 | XXXXXX | Qualifying CLTV | 68.63 | 69.0 | Rounding. |
| 190 | XXXXXX | Total Qualified Assets Post-Close | 499641.8 | 337397.0 | Total qualified assets after closing verified with asset documentation in file. |
| 190 | XXXXXX | Qualifying Total Debt Income Ratio | 33.09 | 33.1 | Rounding |
| 67 | XXXXXX | Qualifying LTV | 54.73 | 55.0 | Rounding. |
| 67 | XXXXXX | Qualifying CLTV | 54.73 | 55.0 | Rounding. |
| 67 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Rounding. |
| 67 | XXXXXX | Total Qualified Assets Post-Close | 78117.29 | 100261.86 | Total qualified assets after closing confirmed with asset documentation in file. |
| 96 | XXXXXX | Qualifying FICO | 763 | 0.0 | True data is mid score confirmed on DU Findings. |
| 96 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data is based on HOI documents in the file and premium that matches DU Findings. |
| 78 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 78 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | last name correct |
| 78 | XXXXXX | Qualifying CLTV | 64.77 | 64.76 | ltv cltv is correct |
| 78 | XXXXXX | Qualifying LTV | 64.77 | 64.76 | ltv cltv is correct |
| 78 | XXXXXX | Qualifying Total Debt Income Ratio | 44.85 | 49.0 | dti correct |
| 159 | XXXXXX | Property Address | XXXXXX | XXXXXX | Capitalization. |
| 159 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 159 | XXXXXX | Qualifying LTV | 67.34 | 68.0 | Roudning. |
| 159 | XXXXXX | Qualifying CLTV | 67.34 | 68.0 | ROunding. |
| 159 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Rounding. |
| 159 | XXXXXX | Total Qualified Assets Post-Close | 39723.1 | 45900.36 | Total qualified assets after close confirmed with asset documentation in file. |
| 174 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 174 | XXXXXX | Qualifying CLTV | 57.19 | 58.0 | True data verified per appraisal and loan documents. |
| 174 | XXXXXX | Qualifying LTV | 57.19 | 58.0 | True data verified per appraisal and loan documents. |
| 174 | XXXXXX | Total Qualified Assets Post-Close | 212927.91 | 165711.0 | True data verified per bank statements. |
| 181 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |
| 181 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.06375 | True data verified per Note. |
| 181 | XXXXXX | Qualifying FICO | 794 | 0.0 | True data verified per credit report. |
| 181 | XXXXXX | Qualifying LTV | 79.55 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 181 | XXXXXX | Qualifying CLTV | 79.55 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 192 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per Note |
| 192 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | per Note |
| 192 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Insurance |
| 192 | XXXXXX | Total Qualified Assets Post-Close | 532899.42 | 774817.0 | Per Assets |
| 192 | XXXXXX | Qualifying Total Debt Income Ratio | 36.25 | 37.1 | per taxes on subject and REO on investment property |
| 56 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per note. |
| 56 | XXXXXX | Total Qualified Assets Post-Close | 78138.93 | 213473.53 | True data verified per bank statements. |
| 56 | XXXXXX | Qualifying Total Debt Income Ratio | 36.28 | 38.0 | True data verified per credit report and loan documents. |
| 63 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Rate is correct |
| 63 | XXXXXX | Qualifying LTV | 71.79 | 72.0 | LTV is correct |
| 63 | XXXXXX | Qualifying CLTV | 71.79 | 72.0 | CLTV is correct |
| 63 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | insurance is correct |
| 63 | XXXXXX | Total Qualified Assets Post-Close | 372967.49 | 388794.45 | Post close assets are correct |
| 63 | XXXXXX | Qualifying Total Debt Income Ratio | 24.94 | 26.21 | Agent name is correct |
| 176 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.07125 | Mapping issued |
| 176 | XXXXXX | Qualifying FICO | 757 | 776.0 | Mapping issue. |
| 176 | XXXXXX | Qualifying CLTV | 64.4 | 65.0 | Roudning. |
| 176 | XXXXXX | Qualifying LTV | 64.4 | 65.0 | Rounding. |
| 176 | XXXXXX | Total Qualified Assets Post-Close | 74711.67 | 974710.45 | . |
| 176 | XXXXXX | Qualifying Total Debt Income Ratio | 43.37 | 42.35 | . |
| 175 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | interest rate is correct |
| 175 | XXXXXX | Qualifying CLTV | 79.46 | 80.0 | cltv correct |
| 175 | XXXXXX | Qualifying LTV | 79.46 | 80.0 | LTV is correct |
| 175 | XXXXXX | Total Qualified Assets Post-Close | 172187.39 | 180265.36 | Post close assets are confirmed |
| 175 | XXXXXX | Qualifying Total Debt Income Ratio | 36.4 | 37.66 | Settlement name is correct |
| 173 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per Note |
| 173 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 173 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Insurance |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 173 | XXXXXX | Total Qualified Assets Post-Close | 774624.37 | 916000.2 | Per Assets |
| 182 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.0625 | Tape data has different decimal placement. |
| 182 | XXXXXX | Qualifying LTV | 59.8 | 60.0 | Tape data is rounded. |
| 182 | XXXXXX | Qualifying CLTV | 63.15 | 63.0 | Tape data is rounded down. |
| 182 | XXXXXX | Total Qualified Assets Post-Close | 83570.59 | 131244.23 | True data matches the 1003 with the exception of a duplicated account of $400.06. |
| 182 | XXXXXX | Qualifying Total Debt Income Ratio | 49.77 | 49.71 | True data is audited DTI, property taxes provided by the title company are higher than used by lender. Audited income reduced by $31.40 |
| 188 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |
| 188 | XXXXXX | Qualifying CLTV | 58.85 | 59.0 | True data verified per appraisal and loan documents. |
| 188 | XXXXXX | Qualifying LTV | 58.85 | 59.0 | True data verified per appraisal and loan documents. |
| 188 | XXXXXX | Qualifying Total Debt Income Ratio | 34.98 | 37.74 | True data verified per credit report and loan documents. |
| 177 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |
| 177 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 177 | XXXXXX | Qualifying FICO | 802 | 0.0 | True data verified per credit report. |
| 177 | XXXXXX | Qualifying LTV | 72.58 | 73.0 | True data verified per appraisal and loan documents. |
| 177 | XXXXXX | Qualifying CLTV | 72.58 | 73.0 | True data verified per appraisal and loan documents. |
| 177 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per hazard policy. |
| 177 | XXXXXX | Total Qualified Assets Post-Close | 51347.99 | 55381.0 | True data verified per bank statements. |
| 177 | XXXXXX | Qualifying Total Debt Income Ratio | 28.28 | 28.51 | True data verified per credit report and loan documents. |
| 60 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 60 | XXXXXX | Total Qualified Assets Post-Close | 377687.35 | 661237.03 | True data verified per bank statements. |
| 178 | XXXXXX | Property Address | XXXXXX | XXXXXX | property address is correct |
| 178 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | B1 is the owner |
| 178 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Insurance is correct |
| 178 | XXXXXX | Total Qualified Assets Post-Close | 263391.3 | 1164808.0 | Post close assets have been confirmed |
| 178 | XXXXXX | Qualifying Total Debt Income Ratio | 42.18 | 43.0 | dti has been confirmed |
| 106 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | True data verified per Note. |
| 106 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per hazard policy. |
| 106 | XXXXXX | Total Qualified Assets Post-Close | 639551.26 | 667424.46 | True data verified per bank statements. |
| 186 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |
| 186 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 186 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 186 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 186 | XXXXXX | Qualifying FICO | 797 | 0.0 | True data verified per credit report. |
| 186 | XXXXXX | Total Closing Costs | 49922.61 | 92465.88 | True data verified per closing disclosure. |
| 186 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per hazard policy. |
| 186 | XXXXXX | Total Qualified Assets Post-Close | 393874.94 | 626931.0 | True data verified per bank statements. |
| 156 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Tape data has a different decimal placement. |
| 156 | XXXXXX | Qualifying LTV | 77.74 | 78.0 | Tape data is rounded. |
| 156 | XXXXXX | Qualifying CLTV | 77.74 | 78.0 | Tape data is rounded. |
| 156 | XXXXXX | Secondary Appraised Property Value | XXXXXX | XXXXXX | True data is value reported on 2nd appraisal not used to qualify the borrower. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 156 | XXXXXX | Total Qualified Assets Post-Close | 237050.2 | 242398.85 | True data is assets after closing. |
| 62 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Confirmed |
| 62 | XXXXXX | Qualifying LTV | 59.8 | 61.0 | Confirmed |
| 62 | XXXXXX | Qualifying CLTV | 59.8 | 61.0 | Confirmed |
| 62 | XXXXXX | Qualifying Total Debt Income Ratio | 49.85 | 49.91 | Confirmed |
| 105 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Per note |
| 105 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 105 | XXXXXX | Total Qualified Assets Post-Close | 71948.19 | 81647.41 | Per asset documents |
| 105 | XXXXXX | Qualifying Total Debt Income Ratio | 30.3 | 31.0 | Rounding |
| 107 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Per note |
| 107 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 107 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per hazard insurance |
| 107 | XXXXXX | Total Qualified Assets Post-Close | 380873.36 | 492066.24 | Per assets |
| 107 | XXXXXX | Qualifying Total Debt Income Ratio | 28.25 | 28.54 | Per DTI |
| 94 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 94 | XXXXXX | Qualifying LTV | 78.97 | 78.96 | Per Appraisal |
| 94 | XXXXXX | Qualifying CLTV | 78.97 | 78.96 | Per Appraisal |
| 94 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Haz insurance |
| 94 | XXXXXX | Total Qualified Assets Post-Close | 34600.66 | 38877.14 | Per Assets |
| 94 | XXXXXX | Qualifying Total Debt Income Ratio | 28.49 | 28.0 | Per AUS LP |
| 84 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Per note |
| 84 | XXXXXX | Qualifying LTV | 64.85 | 65.0 | Per DTI |
| 84 | XXXXXX | Qualifying CLTV | 64.85 | 65.0 | Per DTI |
| 84 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per hazard insurance |
| 84 | XXXXXX | Total Qualified Assets Post-Close | 70211.3 | 291914.56 | Per assets |
| 110 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 110 | XXXXXX | Qualifying CLTV | 66.96 | 67.0 | Per CLTV |
| 110 | XXXXXX | Qualifying LTV | 66.96 | 67.0 | Per LTV |
| 110 | XXXXXX | Total Qualified Assets Post-Close | 779079.16 | 366476.72 | Per assets |
| 110 | XXXXXX | Qualifying Total Debt Income Ratio | 49.86 | 49.87 | Per DTI |
| 193 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 193 | XXXXXX | Qualifying FICO | 795 | 0.0 | Per credit report |
| 193 | XXXXXX | Qualifying Total Debt Income Ratio | 31.67 | 32.0 | Per DTI |
| 91 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Tape data has different decimal placement. |
| 91 | XXXXXX | Property Address | XXXXXX | XXXXXX | Tape data is capitalized. |
| 91 | XXXXXX | Borrower 2 Citizen | XXXXXX | XXXXXX | 1003 indicates Permanent Resident Green Card in file. |
| 91 | XXXXXX | Qualifying LTV | 74.67 | 75.0 | Tape data is rounded. |
| 91 | XXXXXX | Qualifying CLTV | 74.67 | 75.0 | Tape data is rounded. |
| 91 | XXXXXX | Total Qualified Assets Post-Close | 1615514.02 | 1615514.19 | True data is assets after closing. |
| 91 | XXXXXX | Qualifying Total Debt Income Ratio | 28.87 | 28.92 | Tape data matches DU True Data matches 1008, payment on subject property was reduced. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 162 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 162 | XXXXXX | Total Qualified Assets Post-Close | 871920.82 | 1773464.5 | Per assets |
| 162 | XXXXXX | Qualifying Total Debt Income Ratio | 22.33 | 22.37 | Per DTI |
| 80 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX | borrowers first name is correct |
| 80 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 80 | XXXXXX | Qualifying LTV | 66.88 | 70.0 | LTV has been confirmed |
| 80 | XXXXXX | Qualifying CLTV | 66.88 | 70.0 | cltv has been confirmed |
| 80 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | hoi is correct |
| 80 | XXXXXX | Total Qualified Assets Post-Close | 123795.86 | 135208.33 | Post close assets have been confirmed |
| 80 | XXXXXX | Qualifying Total Debt Income Ratio | 38.87 | 16.36 | dti is correct |
| 85 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 85 | XXXXXX | Total Qualified Assets Post-Close | 34361.03 | 243110.47 | Per assets |
| 97 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Discrepancy due to data entry, True data is correct. |
| 97 | XXXXXX | Qualifying LTV | 79.27 | 80.0 | Discrepancy due to data entry, True data is correct. |
| 97 | XXXXXX | Qualifying CLTV | 79.27 | 80.0 | Discrepancy due to data entry, True data is correct. |
| 97 | XXXXXX | Total Qualified Assets Post-Close | 95679.06 | 474263.88 | Discrepancy due to data entry, Verified assets are $531,263.88. |
| 65 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.06509 | Per note |
| 65 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | Per income docs. B2 have W2 and SE income |
| 65 | XXXXXX | Total Qualified Assets Post-Close | 116550.04 | 365753.71 | Per assets |
| 65 | XXXXXX | Qualifying Total Debt Income Ratio | 32.82 | 33.0 | per AUS LP rounds up |
| 88 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | Confirmed with note |
| 88 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Confirmed with hazard policy bill. |
| 88 | XXXXXX | Total Qualified Assets Post-Close | 32435.81 | 258007.64 | Confirmed with system calculations |
| 88 | XXXXXX | Qualifying Total Debt Income Ratio | 25.02 | 25.0 | Due to rounding |
| 75 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 75 | XXXXXX | Qualifying LTV | 44.31 | 45.0 | Rounding |
| 75 | XXXXXX | Qualifying CLTV | 44.31 | 45.0 | Rounding |
| 111 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per note |
| 111 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 111 | XXXXXX | Total Qualified Assets Post-Close | 436350.88 | 636581.66 | Per asset documents |
| 79 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per Documentation |
| 79 | XXXXXX | Qualifying LTV | 73.75 | 74.0 | Per Documentation |
| 79 | XXXXXX | Qualifying CLTV | 73.75 | 74.0 | Per Documentation |
| 79 | XXXXXX | Total Qualified Assets Post-Close | 40454.73 | 41188.21 | Per Documentation |
| 79 | XXXXXX | Qualifying Total Debt Income Ratio | 37.26 | 35.99 | Per Documentation |
| 160 | XXXXXX | Qualifying Interest Rate | 6.75 | 0.0675 | Mapping issue. |
| 160 | XXXXXX | Qualifying Total Debt Income Ratio | 49.94 | 50.0 | . |
| 185 | XXXXXX | Property Address | XXXXXX | XXXXXX | Due to caps |
| 185 | XXXXXX | Qualifying LTV | 70.8 | 80.0 | Confirmed LTV is 71%. |
| 185 | XXXXXX | Qualifying CLTV | 70.8 | 80.0 | Confirmed CLTV is 71% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 185 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Confirmed. Using higher hazard insurance from approval. |
| 185 | XXXXXX | Total Qualified Assets Post-Close | 127918.06 | 47370.38 | Confirmed with system calculations. |
| 185 | XXXXXX | Qualifying Total Debt Income Ratio | 33.11 | 33.18 | Confirmed. small difference in debts. |
| 92 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | Per Note |
| 92 | XXXXXX | Qualifying LTV | 60.87 | 60.86 | Per Appraisal |
| 92 | XXXXXX | Qualifying CLTV | 60.87 | 60.86 | Per Appraisal |
| 92 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per flood and haz insurance on file |
| 92 | XXXXXX | Total Qualified Assets Post-Close | 396467.98 | 1219857.84 | Per Appraisal |
| 92 | XXXXXX | Qualifying Total Debt Income Ratio | 11.57 | 12.0 | Per AUS LP round up |
| 99 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Mapping issue. |
| 99 | XXXXXX | Total Qualified Assets Post-Close | 310900.28 | 548934.48 | Total qualified assets post closing confirmed with documentation in file. |
| 86 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed with note. |
| 86 | XXXXXX | Qualifying CLTV | 38.76 | 39.0 | Due to rounding |
| 86 | XXXXXX | Qualifying LTV | 38.76 | 39.0 | Due to rounding |
| 86 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Due to rounding |
| 86 | XXXXXX | Total Qualified Assets Post-Close | 489971.06 | 416375.92 | Confirmed with system calculations. |
| 76 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Tape data has different decimal placement. |
| 76 | XXXXXX | Qualifying LTV | 43.52 | 43.51 | Tape data rounded down. |
| 76 | XXXXXX | Qualifying CLTV | 43.52 | 43.51 | Tape data rounded down. |
| 76 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Tape data is total of HOI and supplemental insurance. |
| 76 | XXXXXX | Total Qualified Assets Post-Close | 60352.2 | 63186.03 | True data is assets after closing. |
| 76 | XXXXXX | Qualifying Total Debt Income Ratio | 29.79 | 29.0 | Tape data rounded down. |
| 83 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 83 | XXXXXX | Total Qualified Assets Post-Close | 79298.61 | 352467.98 | Per Assets |
| 104 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX | name is correct |
| 104 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | rate is correct |
| 104 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | XXX is the borrowers last name |
| 104 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX | name is correct |
| 104 | XXXXXX | Property County | XXXXXX | XXXXXX | county is correct |
| 104 | XXXXXX | Borrower 1 FTHB | false | true | post close assets are correct |
| 104 | XXXXXX | Qualifying FICO | 740 | 741.0 | fico is correct |
| 104 | XXXXXX | Total Qualified Assets Post-Close | 99110.06 | 413636.39 | borrower 2 first name is correct |
| 95 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 95 | XXXXXX | Total Qualified Assets Post-Close | 2095804.49 | 3170967.87 | Per assets |
| 95 | XXXXXX | Qualifying Total Debt Income Ratio | 38.4 | 44.23 | Per DTI...DTI difference is due to monthly taxes on DU of $4,833.33 compared to the taxes calculated from title of $1,248.47 monthly. |
| 164 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 164 | XXXXXX | Qualifying LTV | 72.37 | 73.0 | Per LTV |
| 164 | XXXXXX | Qualifying CLTV | 72.37 | 73.0 | Per CLTV |
| 164 | XXXXXX | Total Qualified Assets Post-Close | 316720.02 | 750218.3 | Per assets |
| 82 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Mapping issue. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 82 | XXXXXX | Qualifying CLTV | 71.75 | 67.0 |  |
| 82 | XXXXXX | Qualifying LTV | 71.75 | 67.0 | . |
| 82 | XXXXXX | Total Qualified Assets Post-Close | 106529.76 | 128346.84 | Total qualified assets confirmed with asset documentation in file. |
| 82 | XXXXXX | Qualifying Total Debt Income Ratio | 29.29 | 25.78 | 0 |
| 112 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Tape data has a different decimal placement. |
| 112 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data matches HOI premium found in file |
| 112 | XXXXXX | Total Qualified Assets Post-Close | 401092.22 | 698473.87 | True data is funds available after closing. |
| 112 | XXXXXX | Qualifying Total Debt Income Ratio | 32.33 | 30.26 | True data DTI matches 1008 and DU Findings. |
| 191 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 191 | XXXXXX | Total Qualified Assets Post-Close | 299175.82 | 677934.87 | Per assets |
| 191 | XXXXXX | Qualifying Total Debt Income Ratio | 18.59 | 18.68 | Per DTI |
| 163 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 163 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per hazard policy |
| 163 | XXXXXX | Total Qualified Assets Post-Close | 116307.04 | 124767.64 | Per assets |
| 163 | XXXXXX | Qualifying Total Debt Income Ratio | 18.82 | 19.0 | Per DTI |
| 81 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 81 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | HOI is correct |
| 81 | XXXXXX | Total Qualified Assets Post-Close | 345658.51 | 336656.03 | Post close assets are correct |
| 81 | XXXXXX | Qualifying Total Debt Income Ratio | 37.29 | 36.19 | DTI is correct |
| 58 | XXXXXX | Property County | XXXXXX | XXXXXX | XXX county is correct |
| 58 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | interest rate is correct |
| 58 | XXXXXX | Qualifying CLTV | 46.17 | 46.16 |  |
| 58 | XXXXXX | Total Qualified Assets Post-Close | 76446.7 | 76459.36 | Post close assets are confirmed |
| 73 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Tape data has different decimal placement. |
| 73 | XXXXXX | Total Closing Costs | 16529.13 | 34139.04 | True data matches Final CD. |
| 73 | XXXXXX | Qualifying CLTV | 79.79 | 79.78 | Tape data rounded. |
| 73 | XXXXXX | Qualifying LTV | 79.79 | 79.78 | Tape data is rounded down. |
| 73 | XXXXXX | Total Qualified Assets Post-Close | 185145.02 | 571550.14 | True data is assets available after closing. |
| 73 | XXXXXX | Qualifying Total Debt Income Ratio | 34.73 | 35.0 | Tape data is rounded up. |
| 102 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Tape data decimal placement is different. |
| 102 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data includes 2 HOI policies and Flood Insurance. |
| 102 | XXXXXX | Total Qualified Assets Post-Close | 68180.66 | 407672.2 | True data assets available after closing. |
| 102 | XXXXXX | Qualifying Total Debt Income Ratio | 44.96 | 44.64 |  |
| 103 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 103 | XXXXXX | Total Closing Costs | 26825.2 | 13940.0 | Per final CD |
| 103 | XXXXXX | Qualifying LTV | 69.26 | 69.25 | Per LTV |
| 103 | XXXXXX | Qualifying CLTV | 69.26 | 69.25 | Per CLTV |
| 103 | XXXXXX | Total Qualified Assets Post-Close | 227850.89 | 749739.91 | Per assets |
| 103 | XXXXXX | Qualifying Total Debt Income Ratio | 41.96 | 42.0 | Per DTI |
| 184 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX | Borrower 1 First name verified with a copy of Note. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 184 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 184 | XXXXXX | Property County | XXXXXX | XXXXXX | . |
| 184 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX | Borrower 1 SSN confirmed with credit report. |
| 184 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | Borrower 1 confirmed to be self employer per final 1003. |
| 184 | XXXXXX | Secondary Appraised Property Value | XXXXXX | XXXXXX | Mapping issue. |
| 184 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | . |
| 184 | XXXXXX | Total Qualified Assets Post-Close | 528397.44 | 1133753.2 | Total qualified assets post closing confirmed with asset documentation in file. |
| 196 | XXXXXX | Property Address | XXXXXX | XXXXXX | address is okay |
| 196 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | interest rate is correct |
| 196 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | Post close assets are correct |
| 196 | XXXXXX | Total Qualified Assets Post-Close | 2497882.09 | 2685042.42 | Settlement agent address is correct |
| 54 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 |  |
| 54 | XXXXXX | Total Qualified Assets Post-Close | 177581.29 | 387198.9 | Post close assets are correct |
| 165 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 165 | XXXXXX | Total Qualified Assets Post-Close | 1020100.5 | 970967.85 | Total qualified assets post closing confirmed with documentation in file. |
| 117 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | 6.00 per the note |
| 117 | XXXXXX | Total Qualified Assets Post-Close | 3158459.29 | 3251178.78 | $3,686,178.78 Total available assets prior to close / Audit<br> $3,251,178.78 Total available assets prior to close / Lender/AUS The lender deducted the $435,000 EMD from the account balance. Audit did not. $3,158,459.29 Total available assets post close / Audit |
| 117 | XXXXXX | Qualifying Total Debt Income Ratio | 14.7 | 15.0 | 15.00 is rounded up by the AUS |
| 116 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Match. Tape data is fraction of 1. |
| 116 | XXXXXX | Qualifying CLTV | 79.17 | 80.0 | Match. Rounding. |
| 116 | XXXXXX | Qualifying LTV | 79.17 | 80.0 | Match. Rounding. |
| 116 | XXXXXX | Total Qualified Assets Post-Close | 52640.12 | 63040.1 | As per audit calculation of post-closing assets. Tape data is pre-closing assets. |
| 116 | XXXXXX | Qualifying Total Debt Income Ratio | 22.53 | 25.81 | Tape data reflects original DTI from AUS submission 1, not latest submission 13. |
| 134 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Match. Tape data is a fraction of 1. |
| 134 | XXXXXX | Total Qualified Assets Post-Close | 829936.64 | 1108403.42 | As per audit calculation of post-closing assets. Tape data is pre-closing assets. |
| 134 | XXXXXX | Qualifying Total Debt Income Ratio | 42.05 | 42.0 | Rounding. Tape data is AUS rounded down DTI. Actual DTI on 1008 was 42.05%. |
| 128 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 128 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX |  |
| 128 | XXXXXX | Total Qualified Assets Post-Close | 179964.65 | 479964.65 | True data verified per bank statements. |
| 128 | XXXXXX | Qualifying Total Debt Income Ratio | 39.26 | 39.36 | True data verified per credit report, investment properties and loan documents. |
| 100 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 100 | XXXXXX | Total Closing Costs | 36427.94 | 15469.25 | True data verified per post consummation CD. |
| 100 | XXXXXX | Total Qualified Assets Post-Close | 113980.43 | 293569.06 | True data verified per bank statements. |
| 101 | XXXXXX | Property Address | XXXXXX | XXXXXX | XXX per note |
| 101 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | 6.375 per note |
| 101 | XXXXXX | Total Qualified Assets Post-Close | 139191.51 | 184931.29 | $184,931.29 Total available assets prior to close / Audit $184,931.29 Total available assets prior to close / Lender/AUS $139,191.51 Total available assets post close / Audit |
| 115 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |
| 115 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per Note. |
| 115 | XXXXXX | Borrower 1 FTHB | true | false | True data verified per final 1003. |
| 115 | XXXXXX | Loan Purpose | Purchase | Refinance | True data verified per purchase agreement. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 115 | XXXXXX | Total Qualified Assets Post-Close | 111765.27 | 304673.09 | True data verified per bank statements. |
| 115 | XXXXXX | Qualifying Total Debt Income Ratio | 47.34 | 47.0 | True data verified per credit report and loan documents. |
| 210 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 210 | XXXXXX | Qualifying Total Debt Income Ratio | 36.65 | 34.26 | True data verified per credit report, investment property and loan documents. |
| 197 | XXXXXX | Qualifying LTV | 41.06 | 41.05 | Match. Rounding. LTV/CLTV is 41.057%. |
| 197 | XXXXXX | Qualifying CLTV | 41.06 | 41.05 | Match. Rounding. LTV/CLTV is 41.057%. |
| 197 | XXXXXX | Total Qualified Assets Post-Close | 69103.18 | 576579.73 | As per audit calculation of assets post-closing. Tape data is pre-closing assets. |
| 197 | XXXXXX | Qualifying Total Debt Income Ratio | 35.02 | 35.0 | Match. Rounding. Tape data is the rounded AUS DTI. |
| 123 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | 6.125 per the note |
| 123 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | $XXX per HOI dec page and final CD |
| 123 | XXXXXX | Total Qualified Assets Post-Close | 251998.53 | 345100.3 | $370,100.30 Total available assets prior to close / Audit<br> $345,100.30 Total available assets prior to close / Lender/AUS XXX #XXX deducted 30k in deposits. XXX #XXX – lender deducted the 25k EMD from the balance. Audit did not. $251,998.53 Total available assets post close / Audit |
| 123 | XXXXXX | Qualifying Total Debt Income Ratio | 38.24 | 38.21 | The lender included $4520 Net Rental Loss for XXX. Audit is unable to match this calculation. Audit has included the full PITIA in the calculation $4530. Using the 8825 to calculate rental income reduces the loss considerably. Using the more conservative approach of the full PITIA which is closer to lenders calculation. The DTI increase is within tolerance. Resubmission is not required. |
| 167 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | True data verified per Note. |
| 167 | XXXXXX | Total Qualified Assets Post-Close | 111839.9 | 276004.36 | True data verified per bank statements. |
| 167 | XXXXXX | Qualifying Total Debt Income Ratio | 41.92 | 41.44 | True data verified per appraisal showing HOA and other loan documents. |
| 166 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | 6.00 per the note |
| 166 | XXXXXX | Borrower 1 Citizen | XXXXXX | XXXXXX | PRA per the final 1003 |
| 166 | XXXXXX | Total Qualified Assets Post-Close | 457377.49 | 733145.15 | $773,145.15 Total available assets prior to close / Audit $773,145.15 Total available assets prior to close / Lender/AUS $457,377.49 Total available assets post close / Audit |
| 119 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Match. Tape data is fraction of 1. |
| 119 | XXXXXX | Qualifying CLTV | 78.21 | 78.2 | Rounding. |
| 119 | XXXXXX | Total Qualified Assets Post-Close | 84891.99 | 115956.46 | As per audit calculation of post-closing assets. Tape data was pre-closing assets. |
| 119 | XXXXXX | Qualifying Total Debt Income Ratio | 30.97 | 29.971 | DTI variance due to audit calculation of B2 "Other" RSU income. |
| 161 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per note. |
| 161 | XXXXXX | Qualifying CLTV | 79.29 | 79.0 | True data verified per appraisal and loan documents. |
| 161 | XXXXXX | Qualifying LTV | 79.29 | 79.0 | True data verified per appraisal and loan documents. |
| 161 | XXXXXX | Qualifying Total Debt Income Ratio | 34.47 | 37.77 | True data verified per credit report, investment properties and loan documents. |
| 113 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Per note |
| 113 | XXXXXX | Qualifying CLTV | 56.54 | 57.0 | Rounding |
| 113 | XXXXXX | Qualifying LTV | 56.54 | 57.0 | Rounding |
| 120 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | Per note |
| 120 | XXXXXX | Total Qualified Assets Post-Close | 106725.23 | 335025.63 | Per asset documents |
| 108 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed with note. |
| 108 | XXXXXX | Qualifying LTV | 64.52 | 65.0 | Due to rounding |
| 108 | XXXXXX | Qualifying CLTV | 64.52 | 65.0 | Due to rounding |
| 108 | XXXXXX | Total Qualified Assets Post-Close | 100341.56 | 624045.53 | Confirmed with system calculations. |
| 108 | XXXXXX | Qualifying Total Debt Income Ratio | 33.16 | 32.09 | Confirmed-due to one additional debt. |
| 89 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per Note |
| 89 | XXXXXX | Qualifying CLTV | 74.54 | 75.0 | Per Appraisal |
| 89 | XXXXXX | Qualifying LTV | 74.54 | 75.0 | Per Appraisal |
| 89 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Insurance |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 89 | XXXXXX | Total Qualified Assets Post-Close | 261226.6 | 298581.0 | Per Assets |
| 89 | XXXXXX | Qualifying Total Debt Income Ratio | 48.44 | 51.46 | Per Credit report and REO |
| 214 | XXXXXX | Property Address | XXXXXX | XXXXXX | Due to caps |
| 214 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Confirmed with note. |
| 214 | XXXXXX | Qualifying FICO | 781 | 0.0 | Confirmed |
| 214 | XXXXXX | Total Closing Costs | 30728.13 | 1738.0 | Confirmed with CD |
| 214 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Confirmed |
| 214 | XXXXXX | Total Qualified Assets Post-Close | 113723.65 | 446000.0 | Confirmed |
| 149 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 149 | XXXXXX | Qualifying CLTV | 57.23 | 47.77 | True data verified per appraisal, AVM and loan documents. |
| 149 | XXXXXX | Qualifying LTV | 57.23 | 47.77 | True data verified per appraisal, AVM and loan documents. |
| 149 | XXXXXX | Qualifying Total Debt Income Ratio | 39.65 | 3947.77 | True data verified per credit report, investment property, and loan documents. |
| 136 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | 6.375 per the note |
| 136 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | XXX is B1 — XXX = B2 |
| 136 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX | XXX = B1. XXX = B2 |
| 136 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX | XXX is B1. XXX is B2 per the note |
| 136 | XXXXXX | Borrower 2 SSN | XXXXXX | XXXXXX | XXX is B2 SSN. XXX is B1 SSN |
| 136 | XXXXXX | Borrower 1 SSN | XXXXXX | XXXXXX | XXX is B2 SSN. XXX is B1 SSN |
| 136 | XXXXXX | Borrower 1 FTHB | false | true | B1 is not FTHB |
| 136 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | B1 is Self employed |
| 136 | XXXXXX | Borrower 2 Self-Employment Flag | No | Yes | B2 employed by B1. Not an owner. XXX income is not used to qualify |
| 136 | XXXXXX | Total Qualified Assets Post-Close | 303595.41 | 566722.56 | $566,722.56 Total available assets prior to close / Audit $566,722.56 Total available assets prior to close / Lender/AUS $303,595.41 Total available assets post close / Audit |
| 136 | XXXXXX | Qualifying Total Debt Income Ratio | 33.46 | 72.08 | 33.46 actual DTI |
| 143 | XXXXXX | Property Address | XXXXXX | XXXXXX |  |
| 143 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per the note |
| 143 | XXXXXX | Total Qualified Assets Post-Close | 214225.97 | 500087.08 | $500,087.08 Total available assets prior to close / Audit $500,087.08 Total available assets prior to close / Lender/AUS The lender deducted the 20k EMD from the balance of #XXX. $214,225.97 Total available assets post close / Audit |
| 143 | XXXXXX | Qualifying Total Debt Income Ratio | 21.7 | 22.0 | 21.70 is the actual dTI 22 is rounded by AUS |
| 130 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 130 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 130 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per insurance policies in file. |
| 130 | XXXXXX | Total Qualified Assets Post-Close | 48286.03 | 292947.98 | True data verified per bank statements. |
| 130 | XXXXXX | Qualifying Total Debt Income Ratio | 28.38 | 28.2 | True data verified per loan documents, taxes and insurance higher than amounts disclosed. |
| 148 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | per Note |
| 148 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX | per Note |
| 148 | XXXXXX | Qualifying FICO | 813 | 796.0 | Per credit report |
| 148 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Insurance |
| 148 | XXXXXX | Total Qualified Assets Post-Close | 50343.15 | 274575.86 | Per Assets |
| 148 | XXXXXX | Qualifying Total Debt Income Ratio | 35.33 | 35.37 | Per income docs |
| 148 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 169 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | Per Note |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 169 | XXXXXX | Qualifying LTV | 79.71 | 79.7 | Per Appraisal |
| 169 | XXXXXX | Qualifying CLTV | 79.71 | 79.7 | Per Appraisal |
| 169 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per insurance |
| 169 | XXXXXX | Total Qualified Assets Post-Close | 266403.22 | 249280.9 | Per Assets |
| 169 | XXXXXX | Qualifying Total Debt Income Ratio | 31.51 | 32.0 | Per AUS rounds up |
| 126 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 126 | XXXXXX | Qualifying LTV | 57.14 | 58.0 | Rounding |
| 126 | XXXXXX | Qualifying CLTV | 57.14 | 58.0 | Rounding |
| 126 | XXXXXX | Qualifying Total Debt Income Ratio | 30.39 | 30.64 | Loan qualified with higher taxes vs. amount verified in audit. The audit amount aligns with CD and tax bill. |
| 55 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | Per note |
| 55 | XXXXXX | Total Qualified Assets Post-Close | 62403.59 | 267147.99 | Per asset documents |
| 55 | XXXXXX | Qualifying Total Debt Income Ratio | 40.31 | 27.0 | Lender DTI calculated at 40.01% vs. Audit DTI of 40.31%. The lender omitted debts without documentation to support the omission. Inclusion of XXX Card #XXX, XXX Card #XXX, and XXX #XXX increased monthly liabilities by $105, resulting in a higher DTI that remains within tolerance. |
| 171 | XXXXXX | Qualifying Interest Rate | 5.375 | 0.05375 | 5.375 per the note |
| 171 | XXXXXX | Qualifying LTV | 49.15 | 50.0 | 50 is rounded by AUS |
| 171 | XXXXXX | Qualifying CLTV | 49.15 | 50.0 | 50 is rounded by AUS |
| 171 | XXXXXX | Total Qualified Assets Post-Close | 1260477.37 | 2762954.2 | $2,762,954.19 Total available assets prior to close / Audit $2,762,954.20 Total available assets prior to close / Lender/AUS XXX #XXX 09/30/25 statement is the latest date in the file with a balance of $116,246.79. Using t he lenders lower balance of $87,246.79. The one cent difference is due to LM rounding. $1,260,477.37 Total available assets post close / Audit |
| 171 | XXXXXX | Qualifying Total Debt Income Ratio | 43.85 | 43.78 | Lender DTI is __43.78__%. Audit DTI is __43.85__%.<br> The HOI premium increased. The difference is within tolerance. Resubmission is not required. The correct higher amount was included in the ratios on the final CD/1003. |
| 133 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per note |
| 133 | XXXXXX | Qualifying LTV | 44.2 | 45.0 | 50is rounded by AUS |
| 133 | XXXXXX | Qualifying CLTV | 44.2 | 45.0 | 50 is rounded by AUS |
| 133 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | $XXX HOI + $XXX Flood |
| 133 | XXXXXX | Total Qualified Assets Post-Close | 1862722.43 | 3282603.48 | $3,282,603.48 Total available assets prior to close / Audit $3,282,603.48 Total available assets prior to close / Lender/AUS $1,862,722.43 Total available assets post close / Audit |
| 249 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | True data verified per Note. |
| 249 | XXXXXX | Qualifying FICO | 734 | 0.0 | True data verified per credit report. |
| 249 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per insurance policies. |
| 249 | XXXXXX | Qualifying Total Debt Income Ratio | 21.81 | 21.741 | True data verified per credit report and loan documents. |
| 230 | XXXXXX | Qualifying FICO | 765 | 0.0 | 765 per credit report |
| 194 | XXXXXX | Qualifying FICO | 727 | 0.0 | 727 per credit report |
| 194 | XXXXXX | Total Closing Costs | 21231.38 | 4367.0 | $21,231.38 closing cost per final CD |
| 219 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 219 | XXXXXX | Total Qualified Assets Post-Close | 1942703.42 | 2217265.59 | True data verified per bank statements. |
| 216 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Per Note |
| 216 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | Per income docs |
| 216 | XXXXXX | Total Closing Costs | 17279.5 | 4000.0 | Per CD |
| 216 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Ins |
| 216 | XXXXXX | Total Qualified Assets Post-Close | 2523013.26 | 2738447.49 | Per Assets |
| 216 | XXXXXX | Qualifying Total Debt Income Ratio | 26.06 | 26.21 | Per credit docs |
| 243 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 243 | XXXXXX | Qualifying FICO | 785 | 0.0 | True data verified per credit report. |
| 243 | XXXXXX | Qualifying CLTV | 65.81 | 66.0 | True data verified per appraisal and loan documents. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 243 | XXXXXX | Qualifying LTV | 65.81 | 66.0 | True data verified per appraisal and loan documents. |
| 243 | XXXXXX | Qualifying Total Debt Income Ratio | 36.41 | 36.96 | True data verified per credit report and loan documents. |
| 221 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | 6.125 per the note |
| 221 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | B1 is self employed per 1003 and tax returns/k1 |
| 221 | XXXXXX | Qualifying LTV | 69.26 | 70.0 | 70.00 is rounded by the AUS |
| 221 | XXXXXX | Qualifying CLTV | 69.26 | 70.0 | 70.00 is rounded by the AUS |
| 218 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per the note |
| 218 | XXXXXX | Total Closing Costs | 39430.9 | 1774.0 | 39430.90 per final CD |
| 218 | XXXXXX | Primary Appraised Property Value | XXXXXX | XXXXXX | $XXX is the SP. $XXX is the AV. |
| 218 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | $XXX per the hazard dec page p.629 |
| 218 | XXXXXX | Total Qualified Assets Post-Close | 1882854.91 | 2309701.28 | $2,309,701.28 Total available assets prior to close / Audit $2,309,701.28 Total available assets prior to close / Lender/AUS $1,882,854.91 Total available assets post close / Audit |
| 218 | XXXXXX | Qualifying Total Debt Income Ratio | 35.58 | 36.0 | 35.58 matches the lenders 1008. 36% is rounded by AUS. |
| 227 | XXXXXX | Property Address | XXXXXX | XXXXXX | XXX per final CD |
| 227 | XXXXXX | Total Closing Costs | 54265.62 | 17065.85 | $54,265.62 closing cost per the PCCD |
| 227 | XXXXXX | Qualifying CLTV | 56.52 | 57.0 | 70 rounded up by AUS |
| 227 | XXXXXX | Qualifying LTV | 56.52 | 57.0 | 70 rounded up by AUS |
| 227 | XXXXXX | Total Qualified Assets Post-Close | 719748.16 | 1367450.92 | $1,367,485.92 Total available assets prior to close / Audit $1,367,485.92 Total available assets prior to close / Lender/AUS XXX #XXX reduced by $21,000 undocumented deposit. $719,748.16 Total available assets post close / Audit |
| 227 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 245 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per Note |
| 245 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per Note |
| 245 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per insurance |
| 245 | XXXXXX | Total Qualified Assets Post-Close | 501169.04 | 960228.44 | per Assets |
| 245 | XXXXXX | Qualifying Total Debt Income Ratio | 40.28 | 42.14 | Per Taxes updated per tax info provided. Lender taxes are higher |
| 240 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per Note |
| 240 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | Per Income docs |
| 240 | XXXXXX | Qualifying LTV | 64.9 | 64.89 | Per Appraisal |
| 240 | XXXXXX | Qualifying CLTV | 64.9 | 64.89 | Per Appraisal |
| 240 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Insurance |
| 240 | XXXXXX | Total Qualified Assets Post-Close | 128672.61 | 337901.12 | Per Assets |
| 240 | XXXXXX | Qualifying Total Debt Income Ratio | 29.1 | 30.0 | Per LP rounds up |
| 248 | XXXXXX | Property Address | XXXXXX | XXXXXX | XXX per the note |
| 248 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | 6.5 per the note |
| 248 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | B2 is self employed per the final 1003 and the tax returns, k1 in file |
| 248 | XXXXXX | Total Closing Costs | 32600.94 | 1774.0 | $32,600.94 per the PCCD |
| 248 | XXXXXX | Total Qualified Assets Post-Close | 800226.57 | 3090103.82 | $1,735,456.06 Total available assets prior to close / Audit $1,735,456.06 Total available assets prior to close / Lender/AUS XXX #XXX Balance = $1,432,917.76 minus $78,270 = $1,354,647.76. XXX Balance reduced by 2 deposits that total $200,000.<br> $800,226.57 Total available assets post close / Audit |
| 234 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per Notes |
| 234 | XXXXXX | Total Closing Costs | 18498.96 | 5948.55 | Per CD |
| 234 | XXXXXX | Total Qualified Assets Post-Close | 532667.56 | 772712.28 | Per Assets |
| 234 | XXXXXX | Qualifying Total Debt Income Ratio | 33.13 | 33.62 | Per credit liab |
| 250 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | 6.625 per the note |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 250 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | B2 is Self employed per the 1003 and income documents |
| 250 | XXXXXX | Total Qualified Assets Post-Close | 308080.63 | 657363.67 | $657,363.67 Total available assets prior to close / Audit $657,363.67 Total available assets prior to close / Lender/AUS $308,080.63 Total available assets post close / Audit |
| 251 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 251 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 251 | XXXXXX | Total Closing Costs | 20818.54 | 4189.25 | True data verified per final CD. |
| 251 | XXXXXX | Total Qualified Assets Post-Close | 1054319.56 | 1320559.29 | True data verified per bank statements. |
| 251 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 207 | XXXXXX | Property Address | XXXXXX | XXXXXX | Property address is correct |
| 207 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | interest rate is correct |
| 207 | XXXXXX | Qualifying CLTV | 47.62 | 48.0 | LTV/CLTV is correct- have been rounded |
| 207 | XXXXXX | Qualifying LTV | 47.62 | 48.0 | LTV/CLTV is correct- have been rounded |
| 207 | XXXXXX | Total Qualified Assets Post-Close | 1294985.75 | 2900992.31 | LTV/CLTV is correct- have been rounded |
| 207 | XXXXXX | Qualifying Total Debt Income Ratio | 49.18 | 49.17 | DTI ratio is correct have been rounded |
| 208 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 208 | XXXXXX | Qualifying FICO | 782 | 0.0 | Per Credit report |
| 208 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per insurance |
| 208 | XXXXXX | Qualifying Total Debt Income Ratio | 21.4 | 22.0 | AUS is LP and rounds up |
| 150 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed |
| 150 | XXXXXX | Borrower 1 Self-Employment Flag | No | Yes |  |
| 150 | XXXXXX | Borrower 2 Self-Employment Flag | No | Yes |  |
| 150 | XXXXXX | Qualifying LTV | 69.15 | 70.0 | Due to rounding |
| 150 | XXXXXX | Qualifying CLTV | 69.15 | 70.0 | Due to rounding |
| 150 | XXXXXX | Total Qualified Assets Post-Close | 201880.27 | 625568.89 | Confirmed with system calculations. |
| 150 | XXXXXX | Qualifying Total Debt Income Ratio | 38.05 | 41.39 | Confirmed |
| 150 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 172 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Decimal |
| 172 | XXXXXX | Total Closing Costs | 24136.58 | 28677.96 | See Final CD |
| 172 | XXXXXX | Total Qualified Assets Post-Close | 702532.51 | 693137.58 | See Assets |
| 172 | XXXXXX | Qualifying Total Debt Income Ratio | 44.96 | 44.93 | Rounding |
| 172 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 129 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | 6.125 per note |
| 129 | XXXXXX | Qualifying CLTV | 67.18 | 67.17 | Lender LTV__67.17__% CLTV__67.17__%. Audit LTV__67.18__% CLTV__67.18__% The difference is due to system rounding. |
| 129 | XXXXXX | Qualifying LTV | 67.18 | 67.17 | Lender LTV__67.17__% CLTV__67.17__%. Audit LTV__67.18__% CLTV__67.18__% The difference is due to system rounding. |
| 129 | XXXXXX | Qualifying Total Debt Income Ratio | 49.37 | 49.0 | Lender DTI is __49.37__%. Audit DTI is __49.37__%. The AUS rounded the DTI down to 49. The Audit terms matches the 1008/AUS terms. 1008 DTI is 49.365%. The Audit DIT is 49.37 and due to system rounding up to 49.37. |
| 129 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 180 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | True data verified per Note. |
| 180 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 180 | XXXXXX | Borrower 1 FTHB | false | true | True data verified per loan documents. |
| 180 | XXXXXX | Qualifying FICO | 794 | 784.0 | True data verified per credit report. |
| 180 | XXXXXX | Secondary Appraised Property Value | XXXXXX | XXXXXX | True data verified per appraisal. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 180 | XXXXXX | Primary Appraised Property Value | XXXXXX | XXXXXX | True data verified per appraisal. |
| 180 | XXXXXX | Total Qualified Assets Post-Close | 208403.97 | 494912.71 | True data verified per bank statements. |
| 180 | XXXXXX | Qualifying Total Debt Income Ratio | 36.44 | 42.69 | True data verified per credit report and loan documents. |
| 180 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 198 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 |  |
| 198 | XXXXXX | Total Closing Costs | 17294.13 | 1185.0 | Per closing disclosure the closing costs are $17,294.13 |
| 198 | XXXXXX | Total Qualified Assets Post-Close | 59015.13 | 260651.55 | Post close assets are correct |
| 198 | XXXXXX | Qualifying Total Debt Income Ratio | 25.89 | 26.0 | DTI has been rounded uo |
| 220 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 |  |
| 220 | XXXXXX | Qualifying FICO | 784 | 0.0 | credit report middle fico score is correct |
| 220 | XXXXXX | Total Closing Costs | 11125.63 | 67003.01 | Per CD dated XXX total closing costs are $11,125.63 |
| 220 | XXXXXX | Qualifying Total Debt Income Ratio | 32.66 | 32.52 | interest rate is correct |
| 206 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | interest rate is correct |
| 206 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | bwr #1 is s/e |
| 206 | XXXXXX | Primary Appraised Property Value | XXXXXX | XXXXXX | value is correct and supported |
| 206 | XXXXXX | Total Qualified Assets Post-Close | 207584.45 | 266698.4 | post close assests are correct |
| 206 | XXXXXX | Qualifying Total Debt Income Ratio | 23.93 | 24.0 | dti is correct rounded up |
| 206 | XXXXXX | Secondary Appraised Property Value | XXXXXX | XXXXXX |  |
| 147 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 147 | XXXXXX | Total Qualified Assets Post-Close | 127180.82 | 450532.81 | True data verified per bank statements. |
| 146 | XXXXXX | Qualifying CLTV | 70.7 | 71.0 | cltv is correct rounded |
| 146 | XXXXXX | Qualifying LTV | 70.7 | 71.0 | ltv is correct rounded |
| 146 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | insurance amount is correct one cent difference |
| 138 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | 6.625 per note |
| 138 | XXXXXX | Qualifying LTV | 79.1 | 80.0 | Lender LTV__80__% CLTV__80__%. Audit LTV__79.10__% CLTV__79.10__% The difference is due to system rounding |
| 138 | XXXXXX | Qualifying CLTV | 79.1 | 80.0 | Lender LTV__80__% CLTV__80__%. Audit LTV__79.10__% CLTV__79.10__% The difference is due to system rounding |
| 138 | XXXXXX | Total Qualified Assets Post-Close | 151963.54 | 191322.4 | ASSETS $431,973.89 Total available assets prior to close / Audit $191,187.44 Total available assets prior to close / Lender/AUS $151,963.54 Total available assets post close / Audit |
| 114 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | Per Note |
| 114 | XXXXXX | Borrower 1 FTHB | true | false | Per 1003 |
| 114 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per Insurance docs on file |
| 114 | XXXXXX | Total Qualified Assets Post-Close | 263992.9 | 1376242.55 | Per Assets |
| 114 | XXXXXX | Qualifying Total Debt Income Ratio | 24.79 | 25.0 | per insurance doc |
| 203 | XXXXXX | Property Address | XXXXXX | XXXXXX | XXX per note |
| 203 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.065 | 6.25 per note |
| 203 | XXXXXX | Total Qualified Assets Post-Close | 144785.84 | 388815.36 | $559,618.21 Total available assets prior to close / Audit $559,618.21 Total available assets prior to close / Lender/AUS $144,785.84 Total available assets post close / Audit |
| 203 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 135 | XXXXXX | Qualifying Interest Rate | 5.875 | 0.05875 | True data verified per Note. |
| 135 | XXXXXX | Total Qualified Assets Post-Close | 605018.19 | 1160737.15 | True data verified per bank statements. |
| 135 | XXXXXX | Qualifying Total Debt Income Ratio | 35.94 | 35.95 | True data verified per credit report and loan documents. |
| 241 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 241 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | bwr#2 is s/e per loan documents |
| 241 | XXXXXX | Total Qualified Assets Post-Close | 87666.49 | 395043.97 | Post close assets are correct |
| 202 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | 6.5 per note |
| 202 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | B1 is self employed per 1003 and schedule C income |
| 202 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | $XXX consists of HOI and Flood |
| 202 | XXXXXX | Total Qualified Assets Post-Close | 54926.58 | 413429.78 | $416,515.80 Total available assets prior to close / Audit $413,429.78 Total available assets prior to close / Lender/AUS The Net Proceeds are slightly higher than anticipated. Resubmission to the AUS not required. $54,926.58 Total available assets post close / Audit |
| 202 | XXXXXX | Qualifying Total Debt Income Ratio | 49.75 | 48.81 | 49.75 actual DTI. Final AUS and 1008 are missing |
| 202 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 244 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per the note |
| 244 | XXXXXX | Qualifying FICO | 721 | 0.0 | 721 per credit report |
| 244 | XXXXXX | Total Closing Costs | 27869.6 | 77751.15 | 27869.6 per the PCCD |
| 244 | XXXXXX | Qualifying Total Debt Income Ratio | 20.8 | 21.0 | 21.00 is rounded up by the AUS |
| 144 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 144 | XXXXXX | Total Qualified Assets Post-Close | 150348.26 | 171311.4 | True data verified per bank statements. |
| 144 | XXXXXX | Qualifying Total Debt Income Ratio | 39.38 | 39.0 | True data verified per loan documents. |
| 122 | XXXXXX | Property Address | XXXXXX | XXXXXX | XXX per final CD |
| 122 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | 6.875 per note |
| 122 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | $XXX per final CD & HOI dec page |
| 122 | XXXXXX | Total Qualified Assets Post-Close | 51690.14 | 275152.01 | $275,152.01 Total available assets prior to close / Audit $275,152.01 Total available assets prior to close / Lender/AUS $51,690.14 Total available assets post close / Audit |
| 139 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | Discrepancy is due to data entry, True data is correct. |
| 139 | XXXXXX | Borrower 1 Citizen | XXXXXX | XXXXXX | Discrepancy is due to data entry, True data is correct. |
| 139 | XXXXXX | Total Qualified Assets Post-Close | 231017.42 | 409012.17 | Discrepancy is due to data entry, Verified assets are $446,212.17 |
| 139 | XXXXXX | Qualifying Total Debt Income Ratio | 41.36 | 35.34 | Discrepancy is due to data entry, True data is correct. |
| 212 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per Note |
| 212 | XXXXXX | Qualifying FICO | 779 | 0.0 | Per Credit Liabilities |
| 212 | XXXXXX | Qualifying LTV | 71.26 | 71.25 | Per Appraisal |
| 212 | XXXXXX | Qualifying CLTV | 71.26 | 71.25 | Per Appraisal |
| 212 | XXXXXX | Total Qualified Assets Post-Close | 32502.02 | 32109.0 | Per Assets |
| 212 | XXXXXX | Qualifying Total Debt Income Ratio | 33.05 | 33.0 | AUS is LP |
| 179 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | Same number different decimal placement |
| 179 | XXXXXX | Total Qualified Assets Post-Close | 77433.09 | 82445.0 | Post closing assets $77,433.09 confirmed deducting cash to close and required reserves from verified assets. |
| 179 | XXXXXX | Qualifying Total Debt Income Ratio | 47.88 | 47.16 | Audit DTI matches Final 1003 |
| 179 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 121 | XXXXXX | Property Address | XXXXXX | XXXXXX | address is correct there is a variation in capitalized vs. lower case |
| 121 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.0625 | interest rate is correct |
| 121 | XXXXXX | Qualifying FICO | 751 | 0.0 | credit report |
| 121 | XXXXXX | Total Qualified Assets Post-Close | 533424.64 | 1905945.0 | post close assets are correct |
| 121 | XXXXXX | Qualifying Total Debt Income Ratio | 33.4 | 32.84 | dti difference due to hoa monthly fee not provided by the Lender |
| 121 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 215 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.07 | Per note document |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 215 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | Per final application |
| 215 | XXXXXX | Total Qualified Assets Post-Close | 48474.48 | 266124.38 | Per asset document |
| 215 | XXXXXX | Qualifying Total Debt Income Ratio | 49.39 | 49.76 | DTI variance is due to the lender using the credit report dated 08/06/25, while the audit used the updated report dated 11/20/25. The variance is within the 3% tolerance and the DTI remains below 50%. No further action required. |
| 215 | XXXXXX | Escrow Waiver in File | N/A | No | Compliance review field |
| 74 | XXXXXX | Property Address | XXXXXX | XXXXXX | Due to caps |
| 74 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | Confirmed with the note. |
| 74 | XXXXXX | Borrower 1 Self-Employment Flag | No | Yes | Confirmed B1 is not self employed. |
| 74 | XXXXXX | Total Qualified Assets Post-Close | 352611.73 | 588216.53 | Confirmed with system calculations. |
| 74 | XXXXXX | Qualifying Total Debt Income Ratio | 40.04 | 10.0 | Confirmed |
| 74 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 152 | XXXXXX | Qualifying Interest Rate | 6.75 | 0.0675 | Per note |
| 152 | XXXXXX | Total Qualified Assets Post-Close | 887402.8 | 1073242.02 | Per updated assets |
| 152 | XXXXXX | Qualifying Total Debt Income Ratio | 42.75 | 43.0 |  |
| 152 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 229 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | Per note document |
| 229 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | Per final application |
| 229 | XXXXXX | Qualifying FICO | 777 | 0.0 | Per credit report |
| 229 | XXXXXX | Qualifying LTV | 53.41 | 54.0 | Rounding |
| 229 | XXXXXX | Qualifying CLTV | 53.41 | 54.0 | Rounding |
| 229 | XXXXXX | Total Qualified Assets Post-Close | 55999.8 | 196148.27 | Per asset documents |
| 229 | XXXXXX | Escrow Waiver in File | Yes | No | Compliance review field |
| 145 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Decimal |
| 145 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Caps |
| 145 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX | Caps |
| 145 | XXXXXX | Total Qualified Assets Post-Close | 1151199.19 | 1646644.85 | Decimal |
| 145 | XXXXXX | Escrow Waiver in File | Yes | No |  |
| 57 | XXXXXX | Property Address | XXXXXX | XXXXXX |  |
| 57 | XXXXXX | Total Closing Costs | 18663.49 | 24589.08 | Total closing cost per post closing CD reflects $18,663.49-Pg 3150 |
| 57 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per pg 3378 HOI dec page show annual premium $XXX/12=$XXX per month |
| 57 | XXXXXX | Total Qualified Assets Post-Close | 186864.56 | 511569.36 | Total assets verified $511, 5659.36 borrower was required to bring $324,70480 which left $186,864.56 left available post closing |
| 57 | XXXXXX | Qualifying Total Debt Income Ratio | 36.06 | 27.06 | Auditor and lender property tax figures differ. Lender qualified the borrower with monthly obligations $1509.93/Auditor verified taxes per page 3762. Taxes are paid semi monthly $36,859.26 x 2=$73,718.52/12=$6143.21. Updated taxes to reflect such. Total housing expenses increased,194.73= to $13,427.28 + $1513 Other debt total monthly obligations $17,380.14/ Monthly income $48,194.73=36.06% DTI |
| 131 | XXXXXX | Qualifying FICO | 778 | 0.0 | Confirmed |
| 131 | XXXXXX | Qualifying Total Debt Income Ratio | 23.79 | 24.0 | Due to rounding |
| 132 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 132 | XXXXXX | Qualifying CLTV | 44.12 | 44.11 | True data verified per appraisal, AVM and loan documents. |
| 132 | XXXXXX | Total Qualified Assets Post-Close | 397238.64 | 3497700.15 | True data verified per bank statements. |
| 132 | XXXXXX | Escrow Waiver in File | N/A | Yes | True data verified per loan documents. |
| 127 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 127 | XXXXXX | Total Qualified Assets Post-Close | 2213681.04 | 2611422.24 | True data verified per bank statements. |
| 127 | XXXXXX | Qualifying Total Debt Income Ratio | 26.24 | 26.156 | True data verified per credit report, tax bill, and other loan documents. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 127 | XXXXXX | Escrow Waiver in File | Yes | No | True data verified by escrow waiver in file. |
| 140 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 140 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per hazard policy. |
| 140 | XXXXXX | Total Qualified Assets Post-Close | 220105.6 | 553026.57 | True data verified per bank statements. |
| 140 | XXXXXX | Qualifying Total Debt Income Ratio | 10.76 | 12.27 | True data verified per credit report and loan documents. |
| 140 | XXXXXX | Escrow Waiver in File | N/A | Yes | True data verified by final CD. |
| 118 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |
| 137 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 137 | XXXXXX | Qualifying CLTV | 73.42 | 73.41 | Per CLTV |
| 137 | XXXXXX | Qualifying LTV | 73.42 | 73.41 | Per LTV |
| 137 | XXXXXX | Total Qualified Assets Post-Close | 1788523.54 | 242763.9 | Per assets |
| 137 | XXXXXX | Qualifying Total Debt Income Ratio | 25.01 | 25.0 | Per DTI |
| 137 | XXXXXX | Escrow Waiver in File | N/A | Yes | Per final CD |
| 109 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Discrepancy is due to data entry. True Data is correct |
| 109 | XXXXXX | Qualifying LTV | 59.36 | 59.35 | Discrepancy is due to data entry. True Data is correct. Verified LTV is 59.358% |
| 109 | XXXXXX | Qualifying CLTV | 59.36 | 59.35 | Discrepancy is due to data entry. True Data is correct. Verified CLTV is 59.358% |
| 109 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Discrepancy is due to data entry. True Data is correct |
| 109 | XXXXXX | Total Qualified Assets Post-Close | 118683.14 | 98304.69 | Discrepancy is due to data entry. True Data is correct |
| 109 | XXXXXX | Qualifying Total Debt Income Ratio | 43.45 | 43.0 | The recalculate Total Qualifying DTI is $6863.70 (Subject total housing payment) +$56 (total debts)+ $4597 (primary residence) = $11,516.70/$26,508.41 (qualifying total monthly income) = 43.445%. The Total DTI is still within the 3% tolerance. |
| 109 | XXXXXX | Escrow Waiver in File | Yes | No | Discrepancy is due to data entry. True Data is correct |
| 168 | XXXXXX | Total Qualified Assets Post-Close | 502491.39 | 478491.39 | $478,491.39 are liquid assets total assets include the IRA ACCT |
| 168 | XXXXXX | Qualifying Total Debt Income Ratio | 41.3 | 40.0 | Auditor verified income in the amount of $69,278.79. $1802.25 less than the Lender causing the income to slightly decrease |
| 168 | XXXXXX | Escrow Waiver in File | N/A | Yes | Per final CD the auditor did not see an escrow waiver fee disclosed |
| 236 | XXXXXX | Property Address | XXXXXX | XXXXXX | escrow waiver |
| 236 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | interest rate is correct |
| 236 | XXXXXX | Qualifying LTV | 75.09 | 75.08 | Post close assets are correct |
| 236 | XXXXXX | Qualifying CLTV | 75.09 | 75.08 | cltv is correct |
| 236 | XXXXXX | Total Qualified Assets Post-Close | 159195.21 | 406175.49 | interest rate is correct |
| 236 | XXXXXX | Qualifying Total Debt Income Ratio | 44.41 | 46.0 | address is correct |
| 236 | XXXXXX | Escrow Waiver in File | N/A | Yes | LTV is correct |
| 222 | XXXXXX | Qualifying Interest Rate | 6.875 | 0.06875 | Per Note |
| 222 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | premium verified |
| 222 | XXXXXX | Total Qualified Assets Post-Close | 432882.2 | 669663.57 | Assets verified |
| 222 | XXXXXX | Qualifying Total Debt Income Ratio | 38.93 | 36.95 | Flood Insurance included in the DTI. AUS does not capture Flood Insurance |
| 222 | XXXXXX | Escrow Waiver in File | N/A | Yes | Unable to update |
| 238 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | interest rate is correct |
| 238 | XXXXXX | Qualifying LTV | 51.71 | 52.0 | ltv/cltv is correct |
| 238 | XXXXXX | Qualifying CLTV | 51.71 | 52.0 | ltv/cltv is correct |
| 238 | XXXXXX | Total Qualified Assets Post-Close | 265498.9 | 1054637.96 | post close assets are correct |
| 238 | XXXXXX | Escrow Waiver in File | Yes | No | mapping issue |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 223 | XXXXXX | Property Address | XXXXXX | XXXXXX | . |
| 223 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Per Note |
| 223 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | B2 is Self Employed |
| 223 | XXXXXX | Qualifying CLTV | 68.83 | 69.0 | Rounded Up |
| 223 | XXXXXX | Qualifying LTV | 68.83 | 69.0 | Rounded Up |
| 223 | XXXXXX | Total Qualified Assets Post-Close | 409862.4 | 848065.56 | Assets Verified |
| 223 | XXXXXX | Escrow Waiver in File | N/A | Yes | Unable to update |
| 235 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | interest rate is correct |
| 235 | XXXXXX | Total Closing Costs | 80915.15 | 2828.6 | closing costs are correct |
| 235 | XXXXXX | Qualifying LTV | 60.0 | 59.99 | ltv/cltv is correct |
| 235 | XXXXXX | Qualifying CLTV | 60.0 | 59.99 | ltv/cltv is correct |
| 235 | XXXXXX | Total Qualified Assets Post-Close | 637846.93 | 1332025.83 | Post close assets are correct |
| 235 | XXXXXX | Qualifying Total Debt Income Ratio | 43.33 | 43.0 | DTI is correct |
| 235 | XXXXXX | Escrow Waiver in File | N/A | Yes | mapping issues |
| 217 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per note |
| 217 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | Confirmed with tax returns |
| 217 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | Confirmed with tax returns |
| 217 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | The subject HOI is actually $XXX monthly. The lender included $XXX monthly but is not required to resubmit to the AUS. |
| 217 | XXXXXX | Total Qualified Assets Post-Close | 390252.76 | 485673.25 | $623,359.61 Total available assets prior to close / Audit $572,673.25 Total available assets prior to close / Lender/AUS $390,252.76 Total available assets post close / Audit The lender did not document the Secured funds of $87k as reflected on the 1003 and the AUS, but the lender did document the HELOC funds of 400k reflected on the 1003 and credit report. Additionally stocks were documented in the file which are sufficient to close. |
| 217 | XXXXXX | Qualifying Total Debt Income Ratio | 42.6 | 42.7 | Lender DTI is __42.70__%. Audit DTI is __42.60__%.<br> The subject HOI is actually $300.25 monthly. The lender included $356.66 monthly but is not required to resubmit to the AUS. |
| 217 | XXXXXX | Escrow Waiver in File | Yes | No | Escrow waiver in file |
| 225 | XXXXXX | Qualifying Interest Rate | 6.75 | 0.0675 | Mapping issue. |
| 225 | XXXXXX | Borrower 2 Self-Employment Flag | Yes | No | Borrower 2 self employment confirmed with final 1003. |
| 225 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Total monthly property insurance confirmed with final CD. |
| 225 | XXXXXX | Total Qualified Assets Post-Close | 525892.1 | 613884.98 | Total qualified assets post closing confirmed with documentation in file. |
| 225 | XXXXXX | Qualifying Total Debt Income Ratio | 26.01 | 26.0 | Rounding. |
| 225 | XXXXXX | Escrow Waiver in File | N/A | Yes | Confirmed with disclosures in file that the loan has no Escrow waiver. |
| 231 | XXXXXX | Property Address | XXXXXX | XXXXXX | Capitalization. |
| 231 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Mapping issue. |
| 231 | XXXXXX | Qualifying CLTV | 64.41 | 65.0 | Rounding. |
| 231 | XXXXXX | Qualifying LTV | 64.41 | 65.0 | Rounding. |
| 231 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Total monthly hazard and flood insurance amount confirmed with documentation in file. |
| 231 | XXXXXX | Total Qualified Assets Post-Close | 3059976.47 | 4196346.43 | Total qualified assets post closing confirmed with documentation in file. |
| 231 | XXXXXX | Escrow Waiver in File | N/A | Yes | Confirmed with final CD the loan had no escrow waiver. |
| 232 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX | Per note |
| 232 | XXXXXX | Qualifying Interest Rate | 6.75 | 0.0675 | Per Note |
| 232 | XXXXXX | Total Qualified Assets Post-Close | 312900.68 | 373839.93 | Per Assets |
| 232 | XXXXXX | Escrow Waiver in File | N/A | Yes | compliance |
| 124 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 124 | XXXXXX | Total Qualified Assets Post-Close | 806637.84 | 1201057.98 | True data verified per bank statements. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 124 | XXXXXX | Qualifying Total Debt Income Ratio | 34.53 | 34.0 | True data verified per credit report and loan documents. |
| 124 | XXXXXX | Escrow Waiver in File | N/A | Yes | True data verified per loan documents. |
| 242 | XXXXXX | Qualifying Interest Rate | 7.125 | 0.07125 | Per note |
| 242 | XXXXXX | Qualifying CLTV | 77.78 | 78.0 | Per Appraisal |
| 242 | XXXXXX | Qualifying LTV | 77.78 | 78.0 | Per Appraisal |
| 242 | XXXXXX | Total Qualified Assets Post-Close | 233937.75 | 448340.94 | Per assets |
| 242 | XXXXXX | Qualifying Total Debt Income Ratio | 46.63 | 44.16 | Per credit docs |
| 242 | XXXXXX | Escrow Waiver in File | N/A | Yes | compliance |
| 213 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 213 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | No Income used for B2 |
| 213 | XXXXXX | Total Closing Costs | 14861.38 | 82897.37 | Per CD |
| 213 | XXXXXX | Qualifying LTV | 72.27 | 73.0 | Rounded up |
| 213 | XXXXXX | Qualifying CLTV | 72.27 | 73.0 | Rounded Up |
| 213 | XXXXXX | Total Qualified Assets Post-Close | 606765.82 | 952326.61 | Assets Verified |
| 213 | XXXXXX | Qualifying Total Debt Income Ratio | 46.97 | 46.83 | Credit report has a CITI account with a payment of $40 monthly which was not included in the final 1003. DTI increased slightly when included |
| 213 | XXXXXX | Escrow Waiver in File | Yes | No | Unable to update |
| 195 | XXXXXX | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 195 | XXXXXX | Total Qualified Assets Post-Close | 1172127.62 | 1466540.33 | Total qualified assets post closing confirmed with asset documentation in file. |
| 195 | XXXXXX | Escrow Waiver in File | N/A | Yes | Final CD shows escrows. |
| 209 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per note |
| 209 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 209 | XXXXXX | Total Qualified Assets Post-Close | 360573.04 | 480704.04 | Per assets |
| 209 | XXXXXX | Qualifying Total Debt Income Ratio | 29.5 | 29.53 | Per DTI |
| 209 | XXXXXX | Escrow Waiver in File | N/A | Yes | Per escrow waiver |
| 204 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per note |
| 204 | XXXXXX | Qualifying Interest Rate | 6.0 | 0.06 | Per note |
| 204 | XXXXXX | Total Qualified Assets Post-Close | 50106.22 | 739217.97 | Per assets |
| 204 | XXXXXX | Qualifying Total Debt Income Ratio | 28.36 | 28.0 | Per DTI |
| 204 | XXXXXX | Escrow Waiver in File | Yes | No | Per escrow waiver |
| 205 | XXXXXX | Property Address | XXXXXX | XXXXXX | Property address is correct as represented |
| 205 | XXXXXX | Qualifying Interest Rate | 6.125 | 0.06125 | Interest rate is correct |
| 205 | XXXXXX | Total Qualified Assets Post-Close | 82425.57 | 430384.47 | Post close assets have been confirmed |
| 205 | XXXXXX | Qualifying Total Debt Income Ratio | 25.62 | 25.78 | Dti ratio has been confirmed |
| 205 | XXXXXX | Escrow Waiver in File | N/A | Yes | Mapping issue |
| 201 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 201 | XXXXXX | Qualifying CLTV | 52.02 | 53.0 | Per CLTV |
| 201 | XXXXXX | Qualifying LTV | 52.02 | 53.0 | Per LTV |
| 201 | XXXXXX | Total Qualified Assets Post-Close | 48235.33 | 125639.63 | Per assets |
| 201 | XXXXXX | Qualifying Total Debt Income Ratio | 44.58 | 44.57 | Per DTI |
| 247 | XXXXXX | Property Address | XXXXXX | XXXXXX | True data verified per Note. |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 247 | XXXXXX | Qualifying Interest Rate | 6.625 | 0.06625 | True data verified per Note. |
| 247 | XXXXXX | Qualifying LTV | 79.95 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 247 | XXXXXX | Qualifying CLTV | 79.95 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 247 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | True data verified per hazard policy. |
| 247 | XXXXXX | Total Qualified Assets Post-Close | 120262.94 | 406704.51 | True data verified per bank statements. |
| 247 | XXXXXX | Escrow Waiver in File | Yes | No | True data verified per loan documents. |
| 228 | XXXXXX | Property Address | XXXXXX | XXXXXX | . |
| 228 | XXXXXX | Qualifying Total Debt Income Ratio | 47.19 | 47.0 | AUS rounded down DTI. LM DTI matches 1008 in file |
| 228 | XXXXXX | Escrow Waiver in File | N/A | Yes | Unable to update |
| 226 | XXXXXX | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 226 | XXXXXX | Borrower 1 Self-Employment Flag | Yes | No | borrower one owns 25 percent or more |
| 226 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | insurance is correct |
| 226 | XXXXXX | Total Qualified Assets Post-Close | 70134.51 | 318315.07 | post close assets are correct |
| 226 | XXXXXX | Qualifying Total Debt Income Ratio | 42.45 | 43.58 | dti is correct |
| 226 | XXXXXX | Escrow Waiver in File | N/A | Yes | mapping issue |
| 233 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per Note. |
| 233 | XXXXXX | Qualifying LTV | 67.31 | 68.0 | True data verified per appraisal and loan documents. Rounding. |
| 233 | XXXXXX | Qualifying CLTV | 67.31 | 68.0 | True data verified per appraisal and loan documents. Rounding. |
| 233 | XXXXXX | Total Qualified Assets Post-Close | 120048.68 | 137195.82 | True data verified per bank statements. |
| 233 | XXXXXX | Escrow Waiver in File | Yes | No | True data verified per escrow waiver in file. |
| 253 | XXXXXX | Total Qualified Assets Post-Close | 727909.89 | 970059.2 | Confirmed with system calculations |
| 253 | XXXXXX | Qualifying Total Debt Income Ratio | 27.07 | 25.32 | Confirmed with approval. |
| 254 | XXXXXX | Total Qualified Assets Post-Close | 196051.9 | 557416.4 | $557,416.40 Total available assets prior to close / Audit $557,416.40 Total available assets prior to close / Lender/AUS $196,051.90 Total available assets post close / Audit |
| 257 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Total monthly property insurance confirmed with HOI declaration page. |
| 252 | XXXXXX | Total Qualified Assets Post-Close | 307209.05 | 400977.2 | Assets verified on statements. |
| 255 | XXXXXX | Total Qualified Assets Post-Close | 207838.56 | 472136.26 | Total qualified asset post closing confirmed with asset documentation in file. |
| 258 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per Note. |
| 258 | XXXXXX | Qualifying LTV | 69.7 | 70.0 | True data verified per appraisal and loan documents. Rounding. |
| 258 | XXXXXX | Qualifying CLTV | 69.7 | 70.0 | True data verified per appraisal and loan documents. Rounding. |
| 258 | XXXXXX | Total Qualified Assets Post-Close | 238039.49 | 706592.73 | True data verified per bank statements. |
| 256 | XXXXXX | Total Qualified Assets Post-Close | 638087.65 | 647628.43 | True data verified per bank statements. |
| 256 | XXXXXX | Qualifying Total Debt Income Ratio | 26.92 | 27.0 | True data verified per credit report and loan documents. |
| 199 | XXXXXX | Property Address | XXXXXX | XXXXXX | Per Note |
| 199 | XXXXXX | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 199 | XXXXXX | Occupancy | Second Home | Primary Residence |  |
| 199 | XXXXXX | Qualifying FICO | 771 | 0.0 | Per Credit Liabilites |
| 199 | XXXXXX | Total Closing Costs | 74132.16 | 54959.58 | compliance |
| 199 | XXXXXX | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | Per HOI |
| 199 | XXXXXX | Total Qualified Assets Post-Close | 908486.92 | 1201721.0 | Per Assets |
| 199 | XXXXXX | Qualifying Total Debt Income Ratio | 14.3 | 16.09 | Per REO rentals- see income worksheet . final 1003 and AUS also had different rentals |
| 199 | XXXXXX | Escrow Waiver in File | N/A | Yes |  |

---

## Exhibit 99.9

**EXHIBIT 99.9** 

**CONSOLIDATED ANALYTICS GRADING SUMMARY REPORT** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 61 | 6191563285 | Qualifying CLTV | 45.6 | 46.0 | Per Appraisal |
| 61 | 6191563285 | Qualifying LTV | 45.6 | 46.0 | Per Appraisal |
| 61 | 6191563285 | Total Qualified Assets Post-Close | 199675.17 | 209693.79 | per Assets |
| 61 | 6191563285 | Qualifying Total Debt Income Ratio | 43.05 | 44.81 | Per REO docs. CA have lower taxes per cert provided |
| 71 | 6191574110 | Property Address | 18115 Bachman Branch Drive | 18115 BACHMAN BRANCH DR | 18115 Bachman Branch Drive per the note |
| 71 | 6191574110 | Qualifying CLTV | 71.16 | 72.0 | 71.16 is the actual CLTV. 72 is rounded by the AUS |
| 71 | 6191574110 | Qualifying LTV | 71.16 | 72.0 | 71.16 is the actual LTV. 72 is rounded by the AUS |
| 71 | 6191574110 | Total Qualified Assets Post-Close | 185047.54 | 618190.0 | 185047.54 is the total verified assets post closing. The lenders assets are prior to closing, but minus the EMD. |
| 71 | 6191574110 | Qualifying Total Debt Income Ratio | 29.69 | 29.64 | The HOA for the retained residence is $175 monthly, The lender included $139 monthly. The increase to the DTI is within tolerance. Resubmission is not required. |
| 72 | 6191574325 | Property Address | 3916 Sunrise Lane | 3916 SUNRISE LN | address is correct |
| 72 | 6191574325 | Qualifying CLTV | 79.34 | 79.33 | correct |
| 72 | 6191574325 | Qualifying LTV | 79.34 | 79.33 | correct |
| 72 | 6191574325 | Total Qualified Assets Post-Close | 176615.92 | 334480.43 | Total post close assets are correct |
| 72 | 6191574325 | Qualifying Total Debt Income Ratio | 38.81 | 39.0 | CLTV correct |
| 77 | 6191585874 | Total Qualified Assets Post-Close | 3432604.3 | 3694651.32 | Per Assets |
| 77 | 6191585874 | Qualifying Total Debt Income Ratio | 19.19 | 21.05 | Per REO docs . housing updated per mortgage stmt on file |
| 70 | 6191573847 | Borrower 2 SSN | 193729285 | 139729285 | Per 1003 |
| 70 | 6191573847 | Total Qualified Assets Post-Close | 133757.88 | 453564.34 | Per Assets |
| 87 | 6191602473 | Borrower 2 SSN | 541251012 | 541251015 | The 1003, tax return and transcripts match the Audit true data #1012. |
| 87 | 6191602473 | Total Monthly Property Insurance Amount | 240.37 | 201.64 | $240.37 per the dec page (p.1627) and the final CD |
| 87 | 6191602473 | Total Qualified Assets Post-Close | 119099.76 | 377738.76 | $377,738.76 Total available assets verified by Audit Prior to Closing<br> $377,738.76 Total available assets verified by Lender/AUS Prior to Closing<br> $119,099.76 Total available assets verified by Audit Post-Closing |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 158 | 6691575261 | Total Qualified Assets Post-Close | 194617.54 | 433968.78 | The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. |
| 68 | 6191573168 | Total Qualified Assets Post-Close | 215766.81 | 485550.95 | All assets are missing at this time. Assets were entered by Pre UW as listed on the final 1003/entered in the AUS |
| 68 | 6191573168 | Qualifying Total Debt Income Ratio | 28.63 | 29.0 | 28.63 is the actual DTI. 29 is rounded by the AUS |
| 157 | 6691567540 | Total Closing Costs | 11018.87 | 26528.04 | Per CD |
| 157 | 6691567540 | Qualifying CLTV | 58.87 | 59.0 | Per CLTV |
| 157 | 6691567540 | Qualifying LTV | 58.87 | 59.0 | Per LTV |
| 157 | 6691567540 | Total Qualified Assets Post-Close | 263725.15 | 1065429.4 | Per assets |
| 155 | 6691546585 | Total Qualified Assets Post-Close | 28304.09 | 32076.71 | Per assets |
| 154 | 6691473805 | Borrower 1 First Name | Micheal | MICHAEL | Capitalization. |
| 154 | 6691473805 | Borrower 1 Last Name | Chism II | CHISM | Capitalization. |
| 154 | 6691473805 | Borrower 2 First Name | Jessica | JESSICA | Capitalization. |
| 154 | 6691473805 | Qualifying CLTV | 79.9 | 80.0 | Rounding. |
| 154 | 6691473805 | Qualifying LTV | 79.9 | 80.0 | Rounding. |
| 154 | 6691473805 | Total Qualified Assets Post-Close | 179703.07 | 110295.51 | Total qualified assets post closing confirmed with asset documentation in file. |
| 154 | 6691473805 | Qualifying Total Debt Income Ratio | 43.26 | 38.78 | . |
| 93 | 6191608423 | Qualifying CLTV | 69.51 | 70.0 | Tape data matches findings which is rounded up. |
| 93 | 6191608423 | Qualifying LTV | 69.51 | 70.0 | Tape data matches findings which is rounded up. |
| 93 | 6191608423 | Total Monthly Property Insurance Amount | 204.05 | 250.0 | True data matches documents in the file and matches Final CD. |
| 93 | 6191608423 | Total Qualified Assets Post-Close | 333814.38 | 1727776.52 | True data is assets after close. |
| 183 | 8213463801 | Property Address | 4419 Hank Avenue | 4419 HANK AVE | True data verified per Note. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 183 | 8213463801 | Qualifying Interest Rate | 6.5 | 6.625 | True data verified per note. |
| 183 | 8213463801 | Number of Units | 1 | 11 | True data verified per appraisal. |
| 183 | 8213463801 | Qualifying FICO | 790 | 0.0 | True data verified per credit report. |
| 183 | 8213463801 | Qualifying Total Debt Income Ratio | 29.81 | 48.43 | True data verified per income docs, credit report and other documents. |
| 66 | 6191571666 | Total Qualified Assets Post-Close | 203863.8 | 503756.03 | True data verified per bank statements. |
| 66 | 6191571666 | Qualifying Total Debt Income Ratio | 48.63 | 49.0 | True data verified per credit report and other loan documents. |
| 59 | 6191545310 | Property County | Clackamas | Yamhill | County is correct |
| 59 | 6191545310 | Total Qualified Assets Post-Close | 671147.42 | 732493.73 | post close assets are confirmed |
| 59 | 6191545310 | Qualifying Total Debt Income Ratio | 44.94 | 47.71 | DTI has been confirmed |
| 90 | 6191605619 | Borrower 1 Last Name | Hollwood | HOLLYWOOD | Per note borrower last name is Hollywood. |
| 90 | 6191605619 | Total Qualified Assets Post-Close | 477166.22 | 593296.49 | Discrepancy is due to data entry, True Data is correct |
| 64 | 6191570915 | Qualifying CLTV | 79.45 | 80.0 | As per Loan amount / Appraisal value 79.45% LTV. Tape data is AUS LTV rounded up to 80%. |
| 64 | 6191570915 | Qualifying LTV | 79.45 | 80.0 | As per Loan amount / Appraisal value 79.45% LTV. Tape data is AUS LTV rounded up to 80%. |
| 64 | 6191570915 | Qualifying Total Debt Income Ratio | 42.48 | 43.5 |  |
| 69 | 6191573478 | Qualifying FICO | 734 | 0.0 | True data verified per credit report. |
| 69 | 6191573478 | Qualifying Total Debt Income Ratio | 48.92 | 48.64 | True data verified per credit report and other loan documents. |
| 187 | 8213528554 | Total Closing Costs | 27277.86 | 112757.11 | As per Final CD Closing Costs of $27,277.86. Tape data figure of $112,757.11 is the seller credits total costs identified on the 1003. |
| 187 | 8213528554 | Qualifying FICO | 796 | 0.0 | As per median credit score determined by audit and AUS. Tape data is 0. |
| 187 | 8213528554 | Qualifying CLTV | 48.28 | 49.0 | As per CLTV per audit. Tape data is rounded up to 49% and matches AUS which is rounded up. |
| 187 | 8213528554 | Qualifying LTV | 48.28 | 49.0 | As per LTV per audit. Tape data is rounded up to 49% and matches AUS which is rounded up. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 187 | 8213528554 | Total Monthly Property Insurance Amount | 1544.55 | 163.31 | As per audit total $1,544.55 of all property insurances (hazard + flood + windstorm/hail). Tape data is Hazard Insurance monthly payment only of $163.31. |
| 187 | 8213528554 | Qualifying Total Debt Income Ratio | 41.91 | 41.03 | As per Audit calculation of DTI. Audit DTI is higher due to subject property taxes calculated higher due to homestead exemption being removed. |
| 190 | 8213568042 | Qualifying LTV | 68.63 | 69.0 | Rounding. |
| 190 | 8213568042 | Qualifying CLTV | 68.63 | 69.0 | Rounding. |
| 190 | 8213568042 | Total Qualified Assets Post-Close | 499641.8 | 337397.0 | Total qualified assets after closing verified with asset documentation in file. |
| 190 | 8213568042 | Qualifying Total Debt Income Ratio | 33.09 | 33.1 | Rounding |
| 67 | 6191572837 | Qualifying LTV | 54.73 | 55.0 | Rounding. |
| 67 | 6191572837 | Qualifying CLTV | 54.73 | 55.0 | Rounding. |
| 67 | 6191572837 | Total Monthly Property Insurance Amount | 221.54 | 221.55 | Rounding. |
| 67 | 6191572837 | Total Qualified Assets Post-Close | 78117.29 | 100261.86 | Total qualified assets after closing confirmed with asset documentation in file. |
| 96 | 6191610986 | Qualifying FICO | 763 | 0.0 | True data is mid score confirmed on DU Findings. |
| 96 | 6191610986 | Total Monthly Property Insurance Amount | 382 | 128.5 | True data is based on HOI documents in the file and premium that matches DU Findings. |
| 78 | 6191588062 | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 78 | 6191588062 | Borrower 1 Last Name | Peterson | PETERSON | last name correct |
| 78 | 6191588062 | Qualifying CLTV | 64.77 | 64.76 | ltv cltv is correct |
| 78 | 6191588062 | Qualifying LTV | 64.77 | 64.76 | ltv cltv is correct |
| 78 | 6191588062 | Qualifying Total Debt Income Ratio | 44.85 | 49.0 | dti correct |
| 159 | 6691577267 | Property Address | 11095 Forestview Ln | 11095 FORESTVIEW IN | Capitalization. |
| 159 | 6691577267 | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 159 | 6691577267 | Qualifying LTV | 67.34 | 68.0 | Roudning. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 159 | 6691577267 | Qualifying CLTV | 67.34 | 68.0 | ROunding. |
| 159 | 6691577267 | Total Monthly Property Insurance Amount | 129.33 | 129.34 | Rounding. |
| 159 | 6691577267 | Total Qualified Assets Post-Close | 39723.1 | 45900.36 | Total qualified assets after close confirmed with asset documentation in file. |
| 174 | 7019828014 | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 174 | 7019828014 | Qualifying CLTV | 57.19 | 58.0 | True data verified per appraisal and loan documents. |
| 174 | 7019828014 | Qualifying LTV | 57.19 | 58.0 | True data verified per appraisal and loan documents. |
| 174 | 7019828014 | Total Qualified Assets Post-Close | 212927.91 | 165711.0 | True data verified per bank statements. |
| 181 | 8213420470 | Property Address | 358 White Ash Drive | 358 WHITE ASH DR | True data verified per Note. |
| 181 | 8213420470 | Qualifying Interest Rate | 6.25 | 0.06375 | True data verified per Note. |
| 181 | 8213420470 | Qualifying FICO | 794 | 0.0 | True data verified per credit report. |
| 181 | 8213420470 | Qualifying LTV | 79.55 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 181 | 8213420470 | Qualifying CLTV | 79.55 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 192 | 8213607548 | Property Address | 25604 Mesquite Court | 25604 MESQUITE CT | Per Note |
| 192 | 8213607548 | Qualifying Interest Rate | 6.125 | 0.06125 | per Note |
| 192 | 8213607548 | Total Monthly Property Insurance Amount | 299.75 | 299.7 | Per Insurance |
| 192 | 8213607548 | Total Qualified Assets Post-Close | 532899.42 | 774817.0 | Per Assets |
| 192 | 8213607548 | Qualifying Total Debt Income Ratio | 36.25 | 37.1 | per taxes on subject and REO on investment property |
| 56 | 6191520445 | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per note. |
| 56 | 6191520445 | Total Qualified Assets Post-Close | 78138.93 | 213473.53 | True data verified per bank statements. |
| 56 | 6191520445 | Qualifying Total Debt Income Ratio | 36.28 | 38.0 | True data verified per credit report and loan documents. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 63 | 6191569738 | Qualifying Interest Rate | 6.25 | 0.0625 | Rate is correct |
| 63 | 6191569738 | Qualifying LTV | 71.79 | 72.0 | LTV is correct |
| 63 | 6191569738 | Qualifying CLTV | 71.79 | 72.0 | CLTV is correct |
| 63 | 6191569738 | Total Monthly Property Insurance Amount | 444.9 | 444.91 | insurance is correct |
| 63 | 6191569738 | Total Qualified Assets Post-Close | 372967.49 | 388794.45 | Post close assets are correct |
| 63 | 6191569738 | Qualifying Total Debt Income Ratio | 24.94 | 26.21 | Agent name is correct |
| 176 | 7300001801 | Qualifying Interest Rate | 6.0 | 0.07125 | Mapping issued |
| 176 | 7300001801 | Qualifying FICO | 757 | 776.0 | Mapping issue. |
| 176 | 7300001801 | Qualifying CLTV | 64.4 | 65.0 | Roudning. |
| 176 | 7300001801 | Qualifying LTV | 64.4 | 65.0 | Rounding. |
| 176 | 7300001801 | Total Qualified Assets Post-Close | 74711.67 | 974710.45 | . |
| 176 | 7300001801 | Qualifying Total Debt Income Ratio | 43.37 | 42.35 | . |
| 175 | 7019871779 | Qualifying Interest Rate | 6.125 | 0.06125 | interest rate is correct |
| 175 | 7019871779 | Qualifying CLTV | 79.46 | 80.0 | cltv correct |
| 175 | 7019871779 | Qualifying LTV | 79.46 | 80.0 | LTV is correct |
| 175 | 7019871779 | Total Qualified Assets Post-Close | 172187.39 | 180265.36 | Post close assets are confirmed |
| 175 | 7019871779 | Qualifying Total Debt Income Ratio | 36.4 | 37.66 | Settlement name is correct |
| 173 | 7019798715 | Property Address | 51 Basin Creek Circle | 51 BASIN CREEK CIR | Per Note |
| 173 | 7019798715 | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 173 | 7019798715 | Total Monthly Property Insurance Amount | 141.67 | 141.66 | Per Insurance |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 173 | 7019798715 | Total Qualified Assets Post-Close | 774624.37 | 916000.2 | Per Assets |
| 182 | 8213456427 | Qualifying Interest Rate | 6.125 | 0.0625 | Tape data has different decimal placement. |
| 182 | 8213456427 | Qualifying LTV | 59.8 | 60.0 | Tape data is rounded. |
| 182 | 8213456427 | Qualifying CLTV | 63.15 | 63.0 | Tape data is rounded down. |
| 182 | 8213456427 | Total Qualified Assets Post-Close | 83570.59 | 131244.23 | True data matches the 1003 with the exception of a duplicated account of $400.06. |
| 182 | 8213456427 | Qualifying Total Debt Income Ratio | 49.77 | 49.71 | True data is audited DTI, property taxes provided by the title company are higher than used by lender. Audited income reduced by $31.40 |
| 188 | 8213565513 | Property Address | 1160 Hillside Lane | 1160 HILLSIDE LN | True data verified per Note. |
| 188 | 8213565513 | Qualifying CLTV | 58.85 | 59.0 | True data verified per appraisal and loan documents. |
| 188 | 8213565513 | Qualifying LTV | 58.85 | 59.0 | True data verified per appraisal and loan documents. |
| 188 | 8213565513 | Qualifying Total Debt Income Ratio | 34.98 | 37.74 | True data verified per credit report and loan documents. |
| 177 | 8213151403 | Property Address | 1914 Guy Street | 1914 GUY ST | True data verified per Note. |
| 177 | 8213151403 | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 177 | 8213151403 | Qualifying FICO | 802 | 0.0 | True data verified per credit report. |
| 177 | 8213151403 | Qualifying LTV | 72.58 | 73.0 | True data verified per appraisal and loan documents. |
| 177 | 8213151403 | Qualifying CLTV | 72.58 | 73.0 | True data verified per appraisal and loan documents. |
| 177 | 8213151403 | Total Monthly Property Insurance Amount | 387.1 | 387.09 | True data verified per hazard policy. |
| 177 | 8213151403 | Total Qualified Assets Post-Close | 51347.99 | 55381.0 | True data verified per bank statements. |
| 177 | 8213151403 | Qualifying Total Debt Income Ratio | 28.28 | 28.51 | True data verified per credit report and loan documents. |
| 60 | 6191562038 | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 60 | 6191562038 | Total Qualified Assets Post-Close | 377687.35 | 661237.03 | True data verified per bank statements. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 178 | 8213181143 | Property Address | 5801 Atlantic Avenue | 5801 ATLANTIC AVE | property address is correct |
| 178 | 8213181143 | Borrower 1 Self-Employment Flag | Yes | No | B1 is the owner |
| 178 | 8213181143 | Total Monthly Property Insurance Amount | 1103.08 | 1172.82 | Insurance is correct |
| 178 | 8213181143 | Total Qualified Assets Post-Close | 263391.3 | 1164808.0 | Post close assets have been confirmed |
| 178 | 8213181143 | Qualifying Total Debt Income Ratio | 42.18 | 43.0 | dti has been confirmed |
| 106 | 6191626763 | Qualifying Interest Rate | 6.875 | 0.06875 | True data verified per Note. |
| 106 | 6191626763 | Total Monthly Property Insurance Amount | 187.36 | 187.37 | True data verified per hazard policy. |
| 106 | 6191626763 | Total Qualified Assets Post-Close | 639551.26 | 667424.46 | True data verified per bank statements. |
| 186 | 8213527979 | Property Address | 6 Jean La Fitte Drive | 6 JEAN LA FITTE DR | True data verified per Note. |
| 186 | 8213527979 | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 186 | 8213527979 | Borrower 1 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 186 | 8213527979 | Borrower 2 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 186 | 8213527979 | Qualifying FICO | 797 | 0.0 | True data verified per credit report. |
| 186 | 8213527979 | Total Closing Costs | 49922.61 | 92465.88 | True data verified per closing disclosure. |
| 186 | 8213527979 | Total Monthly Property Insurance Amount | 1225.25 | 91.33 | True data verified per hazard policy. |
| 186 | 8213527979 | Total Qualified Assets Post-Close | 393874.94 | 626931.0 | True data verified per bank statements. |
| 156 | 6691564393 | Qualifying Interest Rate | 6.25 | 0.0625 | Tape data has a different decimal placement. |
| 156 | 6691564393 | Qualifying LTV | 77.74 | 78.0 | Tape data is rounded. |
| 156 | 6691564393 | Qualifying CLTV | 77.74 | 78.0 | Tape data is rounded. |
| 156 | 6691564393 | Secondary Appraised Property Value | 2970000 | 0.0 | True data is value reported on 2nd appraisal not used to qualify the borrower. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 156 | 6691564393 | Total Qualified Assets Post-Close | 237050.2 | 242398.85 | True data is assets after closing. |
| 62 | 6191568323 | Qualifying Interest Rate | 6.375 | 0.06375 | Confirmed |
| 62 | 6191568323 | Qualifying LTV | 59.8 | 61.0 | Confirmed |
| 62 | 6191568323 | Qualifying CLTV | 59.8 | 61.0 | Confirmed |
| 62 | 6191568323 | Qualifying Total Debt Income Ratio | 49.85 | 49.91 | Confirmed |
| 105 | 6191626641 | Borrower 1 Last Name | Busch II | BUSCH | Per note |
| 105 | 6191626641 | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 105 | 6191626641 | Total Qualified Assets Post-Close | 71948.19 | 81647.41 | Per asset documents |
| 105 | 6191626641 | Qualifying Total Debt Income Ratio | 30.3 | 31.0 | Rounding |
| 107 | 6191629463 | Borrower 1 Last Name | Staats Jr. | STAATS | Per note |
| 107 | 6191629463 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 107 | 6191629463 | Total Monthly Property Insurance Amount | 181.33 | 181.34 | Per hazard insurance |
| 107 | 6191629463 | Total Qualified Assets Post-Close | 380873.36 | 492066.24 | Per assets |
| 107 | 6191629463 | Qualifying Total Debt Income Ratio | 28.25 | 28.54 | Per DTI |
| 94 | 6191608827 | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 94 | 6191608827 | Qualifying LTV | 78.97 | 78.96 | Per Appraisal |
| 94 | 6191608827 | Qualifying CLTV | 78.97 | 78.96 | Per Appraisal |
| 94 | 6191608827 | Total Monthly Property Insurance Amount | 133.46 | 133.47 | Per Haz insurance |
| 94 | 6191608827 | Total Qualified Assets Post-Close | 34600.66 | 38877.14 | Per Assets |
| 94 | 6191608827 | Qualifying Total Debt Income Ratio | 28.49 | 28.0 | Per AUS LP |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 84 | 6191596505 | Qualifying Interest Rate | 6.125 | 0.06125 | Per note |
| 84 | 6191596505 | Qualifying LTV | 64.85 | 65.0 | Per DTI |
| 84 | 6191596505 | Qualifying CLTV | 64.85 | 65.0 | Per DTI |
| 84 | 6191596505 | Total Monthly Property Insurance Amount | 512.5 | 375.5 | Per hazard insurance |
| 84 | 6191596505 | Total Qualified Assets Post-Close | 70211.3 | 291914.56 | Per assets |
| 110 | 6191631795 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 110 | 6191631795 | Qualifying CLTV | 66.96 | 67.0 | Per CLTV |
| 110 | 6191631795 | Qualifying LTV | 66.96 | 67.0 | Per LTV |
| 110 | 6191631795 | Total Qualified Assets Post-Close | 779079.16 | 366476.72 | Per assets |
| 110 | 6191631795 | Qualifying Total Debt Income Ratio | 49.86 | 49.87 | Per DTI |
| 193 | 8213645638 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 193 | 8213645638 | Qualifying FICO | 795 | 0.0 | Per credit report |
| 193 | 8213645638 | Qualifying Total Debt Income Ratio | 31.67 | 32.0 | Per DTI |
| 91 | 6191607777 | Qualifying Interest Rate | 6.375 | 0.06375 | Tape data has different decimal placement. |
| 91 | 6191607777 | Property Address | 1129-1131 Broderick Street | 1129-1131 BRODERICK ST | Tape data is capitalized. |
| 91 | 6191607777 | Borrower 2 Citizen | Permanent Resident Alien | US Citizen | 1003 indicates Permanent Resident Green Card in file. |
| 91 | 6191607777 | Qualifying LTV | 74.67 | 75.0 | Tape data is rounded. |
| 91 | 6191607777 | Qualifying CLTV | 74.67 | 75.0 | Tape data is rounded. |
| 91 | 6191607777 | Total Qualified Assets Post-Close | 1615514.02 | 1615514.19 | True data is assets after closing. |
| 91 | 6191607777 | Qualifying Total Debt Income Ratio | 28.87 | 28.92 | Tape data matches DU True Data matches 1008, payment on subject property was reduced. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 162 | 6691592172 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 162 | 6691592172 | Total Qualified Assets Post-Close | 871920.82 | 1773464.5 | Per assets |
| 162 | 6691592172 | Qualifying Total Debt Income Ratio | 22.33 | 22.37 | Per DTI |
| 80 | 6191590618 | Borrower 1 First Name | Matthew Robert | MATTHEW | borrowers first name is correct |
| 80 | 6191590618 | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 80 | 6191590618 | Qualifying LTV | 66.88 | 70.0 | LTV has been confirmed |
| 80 | 6191590618 | Qualifying CLTV | 66.88 | 70.0 | cltv has been confirmed |
| 80 | 6191590618 | Total Monthly Property Insurance Amount | 479.67 | 482.0 | hoi is correct |
| 80 | 6191590618 | Total Qualified Assets Post-Close | 123795.86 | 135208.33 | Post close assets have been confirmed |
| 80 | 6191590618 | Qualifying Total Debt Income Ratio | 38.87 | 16.36 | dti is correct |
| 85 | 6191599398 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 85 | 6191599398 | Total Qualified Assets Post-Close | 34361.03 | 243110.47 | Per assets |
| 97 | 6191611395 | Qualifying Interest Rate | 6.25 | 0.0625 | Discrepancy due to data entry, True data is correct. |
| 97 | 6191611395 | Qualifying LTV | 79.27 | 80.0 | Discrepancy due to data entry, True data is correct. |
| 97 | 6191611395 | Qualifying CLTV | 79.27 | 80.0 | Discrepancy due to data entry, True data is correct. |
| 97 | 6191611395 | Total Qualified Assets Post-Close | 95679.06 | 474263.88 | Discrepancy due to data entry, Verified assets are $531,263.88. |
| 65 | 6191571387 | Qualifying Interest Rate | 6.5 | 0.06509 | Per note |
| 65 | 6191571387 | Borrower 2 Self-Employment Flag | Yes | No | Per income docs. B2 have W2 and SE income |
| 65 | 6191571387 | Total Qualified Assets Post-Close | 116550.04 | 365753.71 | Per assets |
| 65 | 6191571387 | Qualifying Total Debt Income Ratio | 32.82 | 33.0 | per AUS LP rounds up |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 88 | 6191604945 | Qualifying Interest Rate | 6.625 | 0.06625 | Confirmed with note |
| 88 | 6191604945 | Total Monthly Property Insurance Amount | 459.58 | 457.5 | Confirmed with hazard policy bill. |
| 88 | 6191604945 | Total Qualified Assets Post-Close | 32435.81 | 258007.64 | Confirmed with system calculations |
| 88 | 6191604945 | Qualifying Total Debt Income Ratio | 25.02 | 25.0 | Due to rounding |
| 75 | 6191585146 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 75 | 6191585146 | Qualifying LTV | 44.31 | 45.0 | Rounding |
| 75 | 6191585146 | Qualifying CLTV | 44.31 | 45.0 | Rounding |
| 111 | 6191632891 | Property Address | 729 W County Road 66E | 729 W COUNTY ROAD 66 E | Per note |
| 111 | 6191632891 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 111 | 6191632891 | Total Qualified Assets Post-Close | 436350.88 | 636581.66 | Per asset documents |
| 79 | 6191588215 | Qualifying Interest Rate | 6.5 | 0.065 | Per Documentation |
| 79 | 6191588215 | Qualifying LTV | 73.75 | 74.0 | Per Documentation |
| 79 | 6191588215 | Qualifying CLTV | 73.75 | 74.0 | Per Documentation |
| 79 | 6191588215 | Total Qualified Assets Post-Close | 40454.73 | 41188.21 | Per Documentation |
| 79 | 6191588215 | Qualifying Total Debt Income Ratio | 37.26 | 35.99 | Per Documentation |
| 160 | 6691584821 | Qualifying Interest Rate | 6.75 | 0.0675 | Mapping issue. |
| 160 | 6691584821 | Qualifying Total Debt Income Ratio | 49.94 | 50.0 | . |
| 185 | 8213515177 | Property Address | 1022 S 80th Street | 1022 S 80TH ST | Due to caps |
| 185 | 8213515177 | Qualifying LTV | 70.8 | 80.0 | Confirmed LTV is 71%. |
| 185 | 8213515177 | Qualifying CLTV | 70.8 | 80.0 | Confirmed CLTV is 71% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 185 | 8213515177 | Total Monthly Property Insurance Amount | 1777.17 | 1739.75 | Confirmed. Using higher hazard insurance from approval. |
| 185 | 8213515177 | Total Qualified Assets Post-Close | 127918.06 | 47370.38 | Confirmed with system calculations. |
| 185 | 8213515177 | Qualifying Total Debt Income Ratio | 33.11 | 33.18 | Confirmed. small difference in debts. |
| 92 | 6191607835 | Qualifying Interest Rate | 6.0 | 0.06 | Per Note |
| 92 | 6191607835 | Qualifying LTV | 60.87 | 60.86 | Per Appraisal |
| 92 | 6191607835 | Qualifying CLTV | 60.87 | 60.86 | Per Appraisal |
| 92 | 6191607835 | Total Monthly Property Insurance Amount | 604.84 | 457.84 | Per flood and haz insurance on file |
| 92 | 6191607835 | Total Qualified Assets Post-Close | 396467.98 | 1219857.84 | Per Appraisal |
| 92 | 6191607835 | Qualifying Total Debt Income Ratio | 11.57 | 12.0 | Per AUS LP round up |
| 99 | 6191612676 | Qualifying Interest Rate | 6.5 | 0.065 | Mapping issue. |
| 99 | 6191612676 | Total Qualified Assets Post-Close | 310900.28 | 548934.48 | Total qualified assets post closing confirmed with documentation in file. |
| 86 | 6191600871 | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed with note. |
| 86 | 6191600871 | Qualifying CLTV | 38.76 | 39.0 | Due to rounding |
| 86 | 6191600871 | Qualifying LTV | 38.76 | 39.0 | Due to rounding |
| 86 | 6191600871 | Total Monthly Property Insurance Amount | 234.3 | 234.31 | Due to rounding |
| 86 | 6191600871 | Total Qualified Assets Post-Close | 489971.06 | 416375.92 | Confirmed with system calculations. |
| 76 | 6191585167 | Qualifying Interest Rate | 6.375 | 0.06375 | Tape data has different decimal placement. |
| 76 | 6191585167 | Qualifying LTV | 43.52 | 43.51 | Tape data rounded down. |
| 76 | 6191585167 | Qualifying CLTV | 43.52 | 43.51 | Tape data rounded down. |
| 76 | 6191585167 | Total Monthly Property Insurance Amount | 562.91 | 420.58 | Tape data is total of HOI and supplemental insurance. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 76 | 6191585167 | Total Qualified Assets Post-Close | 60352.2 | 63186.03 | True data is assets after closing. |
| 76 | 6191585167 | Qualifying Total Debt Income Ratio | 29.79 | 29.0 | Tape data rounded down. |
| 83 | 6191595687 | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 83 | 6191595687 | Total Qualified Assets Post-Close | 79298.61 | 352467.98 | Per Assets |
| 104 | 6191626438 | Borrower 2 First Name | Kalen Scott | KALEN | name is correct |
| 104 | 6191626438 | Qualifying Interest Rate | 6.5 | 0.065 | rate is correct |
| 104 | 6191626438 | Borrower 1 Last Name | Jagessar Thompson | THOMPSON | Thompson is the borrowers last name |
| 104 | 6191626438 | Borrower 1 First Name | Elizabeth Sara | ELIZABETH | name is correct |
| 104 | 6191626438 | Property County | Santa Cara | Santa Clara | county is correct |
| 104 | 6191626438 | Borrower 1 FTHB | false | true | post close assets are correct |
| 104 | 6191626438 | Qualifying FICO | 740 | 741.0 | fico is correct |
| 104 | 6191626438 | Total Qualified Assets Post-Close | 99110.06 | 413636.39 | borrower 2 first name is correct |
| 95 | 6191609668 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 95 | 6191609668 | Total Qualified Assets Post-Close | 2095804.49 | 3170967.87 | Per assets |
| 95 | 6191609668 | Qualifying Total Debt Income Ratio | 38.4 | 44.23 | Per DTI.DTI difference is due to monthly taxes on DU of $4,833.33 compared to the taxes calculated from title of $1,248.47 monthly. |
| 164 | 6691608201 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 164 | 6691608201 | Qualifying LTV | 72.37 | 73.0 | Per LTV |
| 164 | 6691608201 | Qualifying CLTV | 72.37 | 73.0 | Per CLTV |
| 164 | 6691608201 | Total Qualified Assets Post-Close | 316720.02 | 750218.3 | Per assets |
| 82 | 6191595361 | Qualifying Interest Rate | 6.125 | 0.06125 | Mapping issue. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 82 | 6191595361 | Qualifying CLTV | 71.75 | 67.0 |  |
| 82 | 6191595361 | Qualifying LTV | 71.75 | 67.0 | . |
| 82 | 6191595361 | Total Qualified Assets Post-Close | 106529.76 | 128346.84 | Total qualified assets confirmed with asset documentation in file. |
| 82 | 6191595361 | Qualifying Total Debt Income Ratio | 29.29 | 25.78 | 0 |
| 112 | 6191633119 | Qualifying Interest Rate | 6.25 | 0.0625 | Tape data has a different decimal placement. |
| 112 | 6191633119 | Total Monthly Property Insurance Amount | 224.39 | 250.0 | True data matches HOI premium found in file |
| 112 | 6191633119 | Total Qualified Assets Post-Close | 401092.22 | 698473.87 | True data is funds available after closing. |
| 112 | 6191633119 | Qualifying Total Debt Income Ratio | 32.33 | 30.26 | True data DTI matches 1008 and DU Findings. |
| 191 | 8213597375 | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 191 | 8213597375 | Total Qualified Assets Post-Close | 299175.82 | 677934.87 | Per assets |
| 191 | 8213597375 | Qualifying Total Debt Income Ratio | 18.59 | 18.68 | Per DTI |
| 163 | 6691603325 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 163 | 6691603325 | Total Monthly Property Insurance Amount | 304.08 | 304.09 | Per hazard policy |
| 163 | 6691603325 | Total Qualified Assets Post-Close | 116307.04 | 124767.64 | Per assets |
| 163 | 6691603325 | Qualifying Total Debt Income Ratio | 18.82 | 19.0 | Per DTI |
| 81 | 6191591972 | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 81 | 6191591972 | Total Monthly Property Insurance Amount | 627.41 | 259.5 | HOI is correct |
| 81 | 6191591972 | Total Qualified Assets Post-Close | 345658.51 | 336656.03 | Post close assets are correct |
| 81 | 6191591972 | Qualifying Total Debt Income Ratio | 37.29 | 36.19 | DTI is correct |
| 58 | 6191540566 | Property County | Utah County | Utah | Utah county is correct |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 58 | 6191540566 | Qualifying Interest Rate | 6.5 | 0.065 | interest rate is correct |
| 58 | 6191540566 | Qualifying CLTV | 46.17 | 46.16 |  |
| 58 | 6191540566 | Total Qualified Assets Post-Close | 76446.7 | 76459.36 | Post close assets are confirmed |
| 73 | 6191582777 | Qualifying Interest Rate | 6.5 | 0.065 | Tape data has different decimal placement. |
| 73 | 6191582777 | Total Closing Costs | 16529.13 | 34139.04 | True data matches Final CD. |
| 73 | 6191582777 | Qualifying CLTV | 79.79 | 79.78 | Tape data rounded. |
| 73 | 6191582777 | Qualifying LTV | 79.79 | 79.78 | Tape data is rounded down. |
| 73 | 6191582777 | Total Qualified Assets Post-Close | 185145.02 | 571550.14 | True data is assets available after closing. |
| 73 | 6191582777 | Qualifying Total Debt Income Ratio | 34.73 | 35.0 | Tape data is rounded up. |
| 102 | 6191617266 | Qualifying Interest Rate | 6.25 | 0.0625 | Tape data decimal placement is different. |
| 102 | 6191617266 | Total Monthly Property Insurance Amount | 187.19 | 82.42 | True data includes 2 HOI policies and Flood Insurance. |
| 102 | 6191617266 | Total Qualified Assets Post-Close | 68180.66 | 407672.2 | True data assets available after closing. |
| 102 | 6191617266 | Qualifying Total Debt Income Ratio | 44.96 | 44.64 |  |
| 103 | 6191625998 | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 103 | 6191625998 | Total Closing Costs | 26825.2 | 13940.0 | Per final CD |
| 103 | 6191625998 | Qualifying LTV | 69.26 | 69.25 | Per LTV |
| 103 | 6191625998 | Qualifying CLTV | 69.26 | 69.25 | Per CLTV |
| 103 | 6191625998 | Total Qualified Assets Post-Close | 227850.89 | 749739.91 | Per assets |
| 103 | 6191625998 | Qualifying Total Debt Income Ratio | 41.96 | 42.0 | Per DTI |
| 184 | 8213500732 | Borrower 1 First Name | Courtney | MICHAEL | Borrower 1 First name verified with a copy of Note. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 184 | 8213500732 | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 184 | 8213500732 | Property County | Virginia Beach | Virginia Beach City | . |
| 184 | 8213500732 | Borrower 1 SSN | 229497995 | 229491152 | Borrower 1 SSN confirmed with credit report. |
| 184 | 8213500732 | Borrower 1 Self-Employment Flag | Yes | No | Borrower 1 confirmed to be self employer per final 1003. |
| 184 | 8213500732 | Secondary Appraised Property Value | 2300000 | 0.0 | Mapping issue. |
| 184 | 8213500732 | Total Monthly Property Insurance Amount | 837.59 | 850.0 | . |
| 184 | 8213500732 | Total Qualified Assets Post-Close | 528397.44 | 1133753.2 | Total qualified assets post closing confirmed with asset documentation in file. |
| 196 | 8213676726 | Property Address | 8965 Cypress Grove Lane | 8965 CYPRESS GROVE LN | address is okay |
| 196 | 8213676726 | Qualifying Interest Rate | 6.625 | 0.06625 | interest rate is correct |
| 196 | 8213676726 | Borrower 1 Self-Employment Flag | Yes | No | Post close assets are correct |
| 196 | 8213676726 | Total Qualified Assets Post-Close | 2497882.09 | 2685042.42 | Settlement agent address is correct |
| 54 | 6191398820 | Qualifying Interest Rate | 6.875 | 0.06875 |  |
| 54 | 6191398820 | Total Qualified Assets Post-Close | 177581.29 | 387198.9 | Post close assets are correct |
| 165 | 6691627925 | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 165 | 6691627925 | Total Qualified Assets Post-Close | 1020100.5 | 970967.85 | Total qualified assets post closing confirmed with documentation in file. |
| 117 | 6191651960 | Qualifying Interest Rate | 6.0 | 0.06 | 6.00 per the note |
| 117 | 6191651960 | Total Qualified Assets Post-Close | 3158459.29 | 3251178.78 | $3,686,178.78Total available assets prior to close / Audit<br> $3,251,178.78Total available assets prior to close / Lender/AUS<br> The lender deducted the $435,000 EMD from the account balance. Audit did not.<br> $3,158,459.29Total available assets post close / Audit |
| 117 | 6191651960 | Qualifying Total Debt Income Ratio | 14.7 | 15.0 | 15.00 is rounded up by the AUS |
| 116 | 6191650488 | Qualifying Interest Rate | 6.125 | 0.06125 | Match. Tape data is fraction of 1. |
| 116 | 6191650488 | Qualifying CLTV | 79.17 | 80.0 | Match. Rounding. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 116 | 6191650488 | Qualifying LTV | 79.17 | 80.0 | Match. Rounding. |
| 116 | 6191650488 | Total Qualified Assets Post-Close | 52640.12 | 63040.1 | As per audit calculation of post-closing assets. Tape data is pre-closing assets. |
| 116 | 6191650488 | Qualifying Total Debt Income Ratio | 22.53 | 25.81 | Tape data reflects original DTI from AUS submission 1, not latest submission 13. |
| 134 | 6191681110 | Qualifying Interest Rate | 6.25 | 0.0625 | Match. Tape data is a fraction of 1. |
| 134 | 6191681110 | Total Qualified Assets Post-Close | 829936.64 | 1108403.42 | As per audit calculation of post-closing assets. Tape data is pre-closing assets. |
| 134 | 6191681110 | Qualifying Total Debt Income Ratio | 42.05 | 42.0 | Rounding. Tape data is AUS rounded down DTI. Actual DTI on 1008 was 42.05%. |
| 128 | 6191672981 | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 128 | 6191672981 | Total Monthly Property Insurance Amount | 256.34 | 325.0 |  |
| 128 | 6191672981 | Total Qualified Assets Post-Close | 179964.65 | 479964.65 | True data verified per bank statements. |
| 128 | 6191672981 | Qualifying Total Debt Income Ratio | 39.26 | 39.36 | True data verified per credit report, investment properties and loan documents. |
| 100 | 6191615276 | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 100 | 6191615276 | Total Closing Costs | 36427.94 | 15469.25 | True data verified per post consummation CD. |
| 100 | 6191615276 | Total Qualified Assets Post-Close | 113980.43 | 293569.06 | True data verified per bank statements. |
| 101 | 6191616957 | Property Address | 968 East Blackfoot | 968 E BLACKFOOT | 968 East Blackfoot per note |
| 101 | 6191616957 | Qualifying Interest Rate | 6.375 | 0.06375 | 6.375 per note |
| 101 | 6191616957 | Total Qualified Assets Post-Close | 139191.51 | 184931.29 | $184,931.29Total available assets prior to close / Audit<br> $184,931.29Total available assets prior to close / Lender/AUS<br> $139,191.51Total available assets post close / Audit |
| 115 | 6191650229 | Property Address | 3863 Calle Loma Vista | 3863 CALLE LOMA VIS | True data verified per Note. |
| 115 | 6191650229 | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per Note. |
| 115 | 6191650229 | Borrower 1 FTHB | true | false | True data verified per final 1003. |
| 115 | 6191650229 | Loan Purpose | Purchase | Refinance | True data verified per purchase agreement. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 115 | 6191650229 | Total Qualified Assets Post-Close | 111765.27 | 304673.09 | True data verified per bank statements. |
| 115 | 6191650229 | Qualifying Total Debt Income Ratio | 47.34 | 47.0 | True data verified per credit report and loan documents. |
| 210 | 8213942591 | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 210 | 8213942591 | Qualifying Total Debt Income Ratio | 36.65 | 34.26 | True data verified per credit report, investment property and loan documents. |
| 197 | 8213698365 | Qualifying LTV | 41.06 | 41.05 | Match. Rounding. LTV/CLTV is 41.057%. |
| 197 | 8213698365 | Qualifying CLTV | 41.06 | 41.05 | Match. Rounding. LTV/CLTV is 41.057%. |
| 197 | 8213698365 | Total Qualified Assets Post-Close | 69103.18 | 576579.73 | As per audit calculation of assets post-closing. Tape data is pre-closing assets. |
| 197 | 8213698365 | Qualifying Total Debt Income Ratio | 35.02 | 35.0 | Match. Rounding. Tape data is the rounded AUS DTI. |
| 123 | 6191663289 | Qualifying Interest Rate | 6.125 | 0.06125 | 6.125 per the note |
| 123 | 6191663289 | Total Monthly Property Insurance Amount | 492.25 | 300.0 | $492.25 per HOI dec page and final CD |
| 123 | 6191663289 | Total Qualified Assets Post-Close | 251998.53 | 345100.3 | $370,100.30Total available assets prior to close / Audit<br> $345,100.30Total available assets prior to close / Lender/AUS<br> Wealthfront #1091 deducted 30k in deposits.<br> Bank of Co #N566 – lender deducted the 25k EMD from the balance. Audit did not.<br> $251,998.53Total available assets post close / Audit |
| 123 | 6191663289 | Qualifying Total Debt Income Ratio | 38.24 | 38.21 | The lender included $4520 Net Rental Loss for Trails End Ct. Audit is unable to match this calculation. Audit has included the full PITIA in the calculation $4530. Using the 8825 to calculate rental income reduces the loss considerably. Using the more conservative approach of the full PITIA which is closer to lenders calculation. The DTI increase is within tolerance. Resubmission is not required. |
| 167 | 6691656410 | Qualifying Interest Rate | 6.875 | 0.06875 | True data verified per Note. |
| 167 | 6691656410 | Total Qualified Assets Post-Close | 111839.9 | 276004.36 | True data verified per bank statements. |
| 167 | 6691656410 | Qualifying Total Debt Income Ratio | 41.92 | 41.44 | True data verified per appraisal showing HOA and other loan documents. |
| 166 | 6691650598 | Qualifying Interest Rate | 6.0 | 0.06 | 6.00 per the note |
| 166 | 6691650598 | Borrower 1 Citizen | US Citizen | Permanent Resident Alien | PRA per the final 1003 |
| 166 | 6691650598 | Total Qualified Assets Post-Close | 457377.49 | 733145.15 | $773,145.15Total available assets prior to close / Audit<br> $773,145.15Total available assets prior to close / Lender/AUS<br> $457,377.49Total available assets post close / Audit |
| 119 | 6191659221 | Qualifying Interest Rate | 6.25 | 0.0625 | Match. Tape data is fraction of 1. |
| 119 | 6191659221 | Qualifying CLTV | 78.21 | 78.2 | Rounding. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 119 | 6191659221 | Total Qualified Assets Post-Close | 84891.99 | 115956.46 | As per audit calculation of post-closing assets. Tape data was pre-closing assets. |
| 119 | 6191659221 | Qualifying Total Debt Income Ratio | 30.97 | 29.971 | DTI variance due to audit calculation of B2 "Other" RSU income. |
| 161 | 6691590932 | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per note. |
| 161 | 6691590932 | Qualifying CLTV | 79.29 | 79.0 | True data verified per appraisal and loan documents. |
| 161 | 6691590932 | Qualifying LTV | 79.29 | 79.0 | True data verified per appraisal and loan documents. |
| 161 | 6691590932 | Qualifying Total Debt Income Ratio | 34.47 | 37.77 | True data verified per credit report, investment properties and loan documents. |
| 113 | 6191643933 | Qualifying Interest Rate | 6.125 | 0.06125 | Per note |
| 113 | 6191643933 | Qualifying CLTV | 56.54 | 57.0 | Rounding |
| 113 | 6191643933 | Qualifying LTV | 56.54 | 57.0 | Rounding |
| 120 | 6191660655 | Qualifying Interest Rate | 6.0 | 0.06 | Per note |
| 120 | 6191660655 | Total Qualified Assets Post-Close | 106725.23 | 335025.63 | Per asset documents |
| 108 | 6191629526 | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed with note. |
| 108 | 6191629526 | Qualifying LTV | 64.52 | 65.0 | Due to rounding |
| 108 | 6191629526 | Qualifying CLTV | 64.52 | 65.0 | Due to rounding |
| 108 | 6191629526 | Total Qualified Assets Post-Close | 100341.56 | 624045.53 | Confirmed with system calculations. |
| 108 | 6191629526 | Qualifying Total Debt Income Ratio | 33.16 | 32.09 | Confirmed-due to one additional debt. |
| 89 | 6191605140 | Qualifying Interest Rate | 6.375 | 0.06375 | Per Note |
| 89 | 6191605140 | Qualifying CLTV | 74.54 | 75.0 | Per Appraisal |
| 89 | 6191605140 | Qualifying LTV | 74.54 | 75.0 | Per Appraisal |
| 89 | 6191605140 | Total Monthly Property Insurance Amount | 108.83 | 108.84 | Per Insurance |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 89 | 6191605140 | Total Qualified Assets Post-Close | 261226.6 | 298581.0 | Per Assets |
| 89 | 6191605140 | Qualifying Total Debt Income Ratio | 48.44 | 51.46 | Per Credit report and REO |
| 214 | 8213969357 | Property Address | 5302 East Mezzanine Way | 5302 E MEZZANINE WAY | Due to caps |
| 214 | 8213969357 | Borrower 1 Last Name | Cray IV | CRAY | Confirmed with note. |
| 214 | 8213969357 | Qualifying FICO | 781 | 0.0 | Confirmed |
| 214 | 8213969357 | Total Closing Costs | 30728.13 | 1738.0 | Confirmed with CD |
| 214 | 8213969357 | Total Monthly Property Insurance Amount | 176.84 | 250.0 | Confirmed |
| 214 | 8213969357 | Total Qualified Assets Post-Close | 113723.65 | 446000.0 | Confirmed |
| 149 | 6191699711 | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 149 | 6191699711 | Qualifying CLTV | 57.23 | 47.77 | True data verified per appraisal, AVM and loan documents. |
| 149 | 6191699711 | Qualifying LTV | 57.23 | 47.77 | True data verified per appraisal, AVM and loan documents. |
| 149 | 6191699711 | Qualifying Total Debt Income Ratio | 39.65 | 3947.77 | True data verified per credit report, investment property, and loan documents. |
| 136 | 6191683578 | Qualifying Interest Rate | 6.375 | 0.06375 | 6.375 per the note |
| 136 | 6191683578 | Borrower 1 Last Name | Stevenson | ERHART | Stevenson is B1 — Erhart = B2 |
| 136 | 6191683578 | Borrower 1 First Name | Jacob | AUDREY | Jacob = B1. Audrey = B2 |
| 136 | 6191683578 | Borrower 2 First Name | Audrey | JACOB | Jacob is B1. Audrey is B2 per the note |
| 136 | 6191683578 | Borrower 2 SSN | 537259180 | 536886806 | 6806 is B2 SSN. 9180 is B1 SSN |
| 136 | 6191683578 | Borrower 1 SSN | 536886806 | 537259180 | 6806 is B2 SSN. 9180 is B1 SSN |
| 136 | 6191683578 | Borrower 1 FTHB | false | true | B1 is not FTHB |
| 136 | 6191683578 | Borrower 1 Self-Employment Flag | Yes | No | B1 is Self employed |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 136 | 6191683578 | Borrower 2 Self-Employment Flag | No | Yes | B2 employed by B1. Not an owner. Her income is not used to qualify |
| 136 | 6191683578 | Total Qualified Assets Post-Close | 303595.41 | 566722.56 | $566,722.56Total available assets prior to close / Audit<br> $566,722.56Total available assets prior to close / Lender/AUS<br> $303,595.41Total available assets post close / Audit |
| 136 | 6191683578 | Qualifying Total Debt Income Ratio | 33.46 | 72.08 | 33.46 actual DTI |
| 143 | 6191691416 | Property Address | 14 Rock Springs Road | 14 ROCK SPRINGS RD |  |
| 143 | 6191691416 | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per the note |
| 143 | 6191691416 | Total Qualified Assets Post-Close | 214225.97 | 500087.08 | $500,087.08Total available assets prior to close / Audit<br> $500,087.08Total available assets prior to close / Lender/AUS<br> The lender deducted the 20k EMD from the balance of #3605.<br> $214,225.97Total available assets post close / Audit |
| 143 | 6191691416 | Qualifying Total Debt Income Ratio | 21.7 | 22.0 | 21.70 is the actual dTI 22 is rounded by AUS |
| 130 | 6191674629 | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 130 | 6191674629 | Borrower 1 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 130 | 6191674629 | Total Monthly Property Insurance Amount | 798.41 | 526.83 | True data verified per insurance policies in file. |
| 130 | 6191674629 | Total Qualified Assets Post-Close | 48286.03 | 292947.98 | True data verified per bank statements. |
| 130 | 6191674629 | Qualifying Total Debt Income Ratio | 28.38 | 28.2 | True data verified per loan documents, taxes and insurance higher than amounts disclosed. |
| 148 | 6191699291 | Qualifying Interest Rate | 6.25 | 0.0625 | per Note |
| 148 | 6191699291 | Borrower 2 First Name | Manisha | MANISHA | per Note |
| 148 | 6191699291 | Qualifying FICO | 813 | 796.0 | Per credit report |
| 148 | 6191699291 | Total Monthly Property Insurance Amount | 220.83 | 220.84 | Per Insurance |
| 148 | 6191699291 | Total Qualified Assets Post-Close | 50343.15 | 274575.86 | Per Assets |
| 148 | 6191699291 | Qualifying Total Debt Income Ratio | 35.33 | 35.37 | Per income docs |
| 148 | 6191699291 | Escrow Waiver in File | N/A | Yes |  |
| 169 | 6691669931 | Qualifying Interest Rate | 6.625 | 0.06625 | Per Note |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 169 | 6691669931 | Qualifying LTV | 79.71 | 79.7 | Per Appraisal |
| 169 | 6691669931 | Qualifying CLTV | 79.71 | 79.7 | Per Appraisal |
| 169 | 6691669931 | Total Monthly Property Insurance Amount | 255.33 | 255.34 | Per insurance |
| 169 | 6691669931 | Total Qualified Assets Post-Close | 266403.22 | 249280.9 | Per Assets |
| 169 | 6691669931 | Qualifying Total Debt Income Ratio | 31.51 | 32.0 | Per AUS rounds up |
| 126 | 6191667401 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| 126 | 6191667401 | Qualifying LTV | 57.14 | 58.0 | Rounding |
| 126 | 6191667401 | Qualifying CLTV | 57.14 | 58.0 | Rounding |
| 126 | 6191667401 | Qualifying Total Debt Income Ratio | 30.39 | 30.64 | Loan qualified with higher taxes vs. amount verified in audit. The audit amount aligns with CD and tax bill. |
| 55 | 6191520083 | Qualifying Interest Rate | 6.625 | 0.06625 | Per note |
| 55 | 6191520083 | Total Qualified Assets Post-Close | 62403.59 | 267147.99 | Per asset documents |
| 55 | 6191520083 | Qualifying Total Debt Income Ratio | 40.31 | 27.0 | Lender DTI calculated at 40.01% vs. Audit DTI of 40.31%. The lender omitted debts without documentation to support the omission. Inclusion of Apple Card #8783, JPMCB Card #9972, and FNB Omaha #3793 increased monthly liabilities by $105, resulting in a higher DTI that remains within tolerance. |
| 171 | 6691681342 | Qualifying Interest Rate | 5.375 | 0.05375 | 5.375 per the note |
| 171 | 6691681342 | Qualifying LTV | 49.15 | 50.0 | 50 is rounded by AUS |
| 171 | 6691681342 | Qualifying CLTV | 49.15 | 50.0 | 50 is rounded by AUS |
| 171 | 6691681342 | Total Qualified Assets Post-Close | 1260477.37 | 2762954.2 | $2,762,954.19Total available assets prior to close / Audit<br> $2,762,954.20Total available assets prior to close / Lender/AUS<br> RBC #0355 09/30/25 statement is the latest date in the file with a balance of $116,246.79. Using t he lenders lower balance of $87,246.79. The one cent difference is due to LM rounding.<br> $1,260,477.37Total available assets post close / Audit |
| 171 | 6691681342 | Qualifying Total Debt Income Ratio | 43.85 | 43.78 | Lender DTI is __43.78__%. Audit DTI is __43.85__%.<br> The HOI premium increased. The difference is within tolerance. Resubmission is not required. The correct higher amount was included in the ratios on the final CD/1003. |
| 133 | 6191679982 | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per note |
| 133 | 6191679982 | Qualifying LTV | 44.2 | 45.0 | 50is rounded by AUS |
| 133 | 6191679982 | Qualifying CLTV | 44.2 | 45.0 | 50 is rounded by AUS |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 133 | 6191679982 | Total Monthly Property Insurance Amount | 1008.94 | 848.75 | $848.75 HOI + $160.19 Flood |
| 133 | 6191679982 | Total Qualified Assets Post-Close | 1862722.43 | 3282603.48 | $3,282,603.48Total available assets prior to close / Audit<br> $3,282,603.48Total available assets prior to close / Lender/AUS<br> $1,862,722.43Total available assets post close / Audit |
| 249 | 8214128545 | Qualifying Interest Rate | 6.875 | 0.06875 | True data verified per Note. |
| 249 | 8214128545 | Qualifying FICO | 734 | 0.0 | True data verified per credit report. |
| 249 | 8214128545 | Total Monthly Property Insurance Amount | 439.38 | 338.3 | True data verified per insurance policies. |
| 249 | 8214128545 | Qualifying Total Debt Income Ratio | 21.81 | 21.741 | True data verified per credit report and loan documents. |
| 230 | 8214031811 | Qualifying FICO | 765 | 0.0 | 765 per credit report |
| 194 | 8213659013 | Qualifying FICO | 727 | 0.0 | 727 per credit report |
| 194 | 8213659013 | Total Closing Costs | 21231.38 | 4367.0 | $21,231.38 closing cost per final CD |
| 219 | 8213981815 | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 219 | 8213981815 | Total Qualified Assets Post-Close | 1942703.42 | 2217265.59 | True data verified per bank statements. |
| 216 | 8213976016 | Qualifying Interest Rate | 6.125 | 0.06125 | Per Note |
| 216 | 8213976016 | Borrower 2 Self-Employment Flag | Yes | No | Per income docs |
| 216 | 8213976016 | Total Closing Costs | 17279.5 | 4000.0 | Per CD |
| 216 | 8213976016 | Total Monthly Property Insurance Amount | 473.82 | 473.83 | Per Ins |
| 216 | 8213976016 | Total Qualified Assets Post-Close | 2523013.26 | 2738447.49 | Per Assets |
| 216 | 8213976016 | Qualifying Total Debt Income Ratio | 26.06 | 26.21 | Per credit docs |
| 243 | 8214070799 | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 243 | 8214070799 | Qualifying FICO | 785 | 0.0 | True data verified per credit report. |
| 243 | 8214070799 | Qualifying CLTV | 65.81 | 66.0 | True data verified per appraisal and loan documents. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 243 | 8214070799 | Qualifying LTV | 65.81 | 66.0 | True data verified per appraisal and loan documents. |
| 243 | 8214070799 | Qualifying Total Debt Income Ratio | 36.41 | 36.96 | True data verified per credit report and loan documents. |
| 221 | 8213991598 | Qualifying Interest Rate | 6.125 | 0.06125 | 6.125 per the note |
| 221 | 8213991598 | Borrower 1 Self-Employment Flag | Yes | No | B1 is self employed per 1003 and tax returns/k1 |
| 221 | 8213991598 | Qualifying LTV | 69.26 | 70.0 | 70.00 is rounded by the AUS |
| 221 | 8213991598 | Qualifying CLTV | 69.26 | 70.0 | 70.00 is rounded by the AUS |
| 218 | 8213977832 | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per the note |
| 218 | 8213977832 | Total Closing Costs | 39430.9 | 1774.0 | 39430.90 per final CD |
| 218 | 8213977832 | Primary Appraised Property Value | 1352500 | 1390000.0 | $1,352,500 is the SP. $1,390,000 is the AV. |
| 218 | 8213977832 | Total Monthly Property Insurance Amount | 206.1 | 300.0 | $206.10 per the hazard dec page p.629 |
| 218 | 8213977832 | Total Qualified Assets Post-Close | 1882854.91 | 2309701.28 | $2,309,701.28Total available assets prior to close / Audit<br> $2,309,701.28Total available assets prior to close / Lender/AUS<br> $1,882,854.91Total available assets post close / Audit |
| 218 | 8213977832 | Qualifying Total Debt Income Ratio | 35.58 | 36.0 | 35.58 matches the lenders 1008. 36% is rounded by AUS. |
| 227 | 8214013824 | Property Address | 2206 Gates Avenue Unit A | 2206 GATES AVE UNIT A | 2206 Gates Avenue Unit A per final CD |
| 227 | 8214013824 | Total Closing Costs | 54265.62 | 17065.85 | $54,265.62 closing cost per the PCCD |
| 227 | 8214013824 | Qualifying CLTV | 56.52 | 57.0 | 70 rounded up by AUS |
| 227 | 8214013824 | Qualifying LTV | 56.52 | 57.0 | 70 rounded up by AUS |
| 227 | 8214013824 | Total Qualified Assets Post-Close | 719748.16 | 1367450.92 | $1,367,485.92Total available assets prior to close / Audit<br> $1,367,485.92Total available assets prior to close / Lender/AUS<br> Chase #2157 reduced by $21,000 undocumented deposit.<br> $719,748.16Total available assets post close / Audit |
| 227 | 8214013824 | Escrow Waiver in File | Yes | No |  |
| 245 | 8214094025 | Property Address | 15 Manzanita Terrace | 15 MANZANITA TER | Per Note |
| 245 | 8214094025 | Qualifying Interest Rate | 6.375 | 0.06375 | Per Note |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 245 | 8214094025 | Total Monthly Property Insurance Amount | 637.08 | 164.0 | Per insurance |
| 245 | 8214094025 | Total Qualified Assets Post-Close | 501169.04 | 960228.44 | per Assets |
| 245 | 8214094025 | Qualifying Total Debt Income Ratio | 40.28 | 42.14 | Per Taxes updated per tax info provided. Lender taxes are higher |
| 240 | 8214068971 | Qualifying Interest Rate | 6.5 | 0.065 | Per Note |
| 240 | 8214068971 | Borrower 2 Self-Employment Flag | Yes | No | Per Income docs |
| 240 | 8214068971 | Qualifying LTV | 64.9 | 64.89 | Per Appraisal |
| 240 | 8214068971 | Qualifying CLTV | 64.9 | 64.89 | Per Appraisal |
| 240 | 8214068971 | Total Monthly Property Insurance Amount | 267.39 | 267.4 | Per Insurance |
| 240 | 8214068971 | Total Qualified Assets Post-Close | 128672.61 | 337901.12 | Per Assets |
| 240 | 8214068971 | Qualifying Total Debt Income Ratio | 29.1 | 30.0 | Per LP rounds up |
| 248 | 8214128499 | Property Address | 4052 Quinn Road | 4052 QUINN RD | 4052 Quinn Road per the note |
| 248 | 8214128499 | Qualifying Interest Rate | 6.5 | 0.065 | 6.5 per the note |
| 248 | 8214128499 | Borrower 2 Self-Employment Flag | Yes | No | B2 is self employed per the final 1003 and the tax returns, k1 in file |
| 248 | 8214128499 | Total Closing Costs | 32600.94 | 1774.0 | $32,600.94 per the PCCD |
| 248 | 8214128499 | Total Qualified Assets Post-Close | 800226.57 | 3090103.82 | $1,735,456.06Total available assets prior to close / Audit<br> $1,735,456.06Total available assets prior to close / Lender/AUS<br> Fidelity #5320 Balance = $1,432,917.76 minus $78,270 = $1,354,647.76.<br> Merrill Edge Balance reduced by 2 deposits that total $200,000.<br> $800,226.57Total available assets post close / Audit |
| 234 | 8214056086 | Qualifying Interest Rate | 6.5 | 0.065 | Per Notes |
| 234 | 8214056086 | Total Closing Costs | 18498.96 | 5948.55 | Per CD |
| 234 | 8214056086 | Total Qualified Assets Post-Close | 532667.56 | 772712.28 | Per Assets |
| 234 | 8214056086 | Qualifying Total Debt Income Ratio | 33.13 | 33.62 | Per credit liab |
| 250 | 8214131864 | Qualifying Interest Rate | 6.625 | 0.06625 | 6.625 per the note |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 250 | 8214131864 | Borrower 2 Self-Employment Flag | Yes | No | B2 is Self employed per the 1003 and income documents |
| 250 | 8214131864 | Total Qualified Assets Post-Close | 308080.63 | 657363.67 | $657,363.67Total available assets prior to close / Audit<br> $657,363.67Total available assets prior to close / Lender/AUS<br> $308,080.63Total available assets post close / Audit |
| 251 | 8214133037 | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 251 | 8214133037 | Borrower 1 Self-Employment Flag | Yes | No | True data verified per income documents. |
| 251 | 8214133037 | Total Closing Costs | 20818.54 | 4189.25 | True data verified per final CD. |
| 251 | 8214133037 | Total Qualified Assets Post-Close | 1054319.56 | 1320559.29 | True data verified per bank statements. |
| 251 | 8214133037 | Escrow Waiver in File | N/A | Yes |  |
| 207 | 8213932082 | Property Address | 2669 Harlesden Court | 2669 HARLESDEN CT | Property address is correct |
| 207 | 8213932082 | Qualifying Interest Rate | 6.25 | 0.0625 | interest rate is correct |
| 207 | 8213932082 | Qualifying CLTV | 47.62 | 48.0 | LTV/CLTV is correct- have been rounded |
| 207 | 8213932082 | Qualifying LTV | 47.62 | 48.0 | LTV/CLTV is correct- have been rounded |
| 207 | 8213932082 | Total Qualified Assets Post-Close | 1294985.75 | 2900992.31 | LTV/CLTV is correct- have been rounded |
| 207 | 8213932082 | Qualifying Total Debt Income Ratio | 49.18 | 49.17 | DTI ratio is correct have been rounded |
| 208 | 8213934127 | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 208 | 8213934127 | Qualifying FICO | 782 | 0.0 | Per Credit report |
| 208 | 8213934127 | Total Monthly Property Insurance Amount | 151.18 | 91.43 | Per insurance |
| 208 | 8213934127 | Qualifying Total Debt Income Ratio | 21.4 | 22.0 | AUS is LP and rounds up |
| 150 | 6191699722 | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed |
| 150 | 6191699722 | Borrower 1 Self-Employment Flag | No | Yes |  |
| 150 | 6191699722 | Borrower 2 Self-Employment Flag | No | Yes |  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 150 | 6191699722 | Qualifying LTV | 69.15 | 70.0 | Due to rounding |
| 150 | 6191699722 | Qualifying CLTV | 69.15 | 70.0 | Due to rounding |
| 150 | 6191699722 | Total Qualified Assets Post-Close | 201880.27 | 625568.89 | Confirmed with system calculations. |
| 150 | 6191699722 | Qualifying Total Debt Income Ratio | 38.05 | 41.39 | Confirmed |
| 150 | 6191699722 | Escrow Waiver in File | Yes | No |  |
| 172 | 6691692467 | Qualifying Interest Rate | 6.25 | 0.0625 | Decimal |
| 172 | 6691692467 | Total Closing Costs | 24136.58 | 28677.96 | See Final CD |
| 172 | 6691692467 | Total Qualified Assets Post-Close | 702532.51 | 693137.58 | See Assets |
| 172 | 6691692467 | Qualifying Total Debt Income Ratio | 44.96 | 44.93 | Rounding |
| 172 | 6691692467 | Escrow Waiver in File | Yes | No |  |
| 129 | 6191674535 | Qualifying Interest Rate | 6.125 | 0.06125 | 6.125 per note |
| 129 | 6191674535 | Qualifying CLTV | 67.18 | 67.17 | Lender LTV__67.17__% CLTV__67.17__%.<br> Audit LTV__67.18__% CLTV__67.18__%<br> The difference is due to system rounding. |
| 129 | 6191674535 | Qualifying LTV | 67.18 | 67.17 | Lender LTV__67.17__% CLTV__67.17__%.<br> Audit LTV__67.18__% CLTV__67.18__%<br> The difference is due to system rounding. |
| 129 | 6191674535 | Qualifying Total Debt Income Ratio | 49.37 | 49.0 | Lender DTI is __49.37__%. Audit DTI is __49.37__%.<br> The AUS rounded the DTI down to 49. The Audit terms matches the 1008/AUS terms. 1008 DTI is 49.365%. The Audit DIT is 49.37 and due to system rounding up to 49.37. |
| 129 | 6191674535 | Escrow Waiver in File | N/A | Yes |  |
| 180 | 8213390912 | Borrower 1 Last Name | Williams III | Williams | True data verified per Note. |
| 180 | 8213390912 | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 180 | 8213390912 | Borrower 1 FTHB | false | true | True data verified per loan documents. |
| 180 | 8213390912 | Qualifying FICO | 794 | 784.0 | True data verified per credit report. |
| 180 | 8213390912 | Secondary Appraised Property Value | 1356000 | 0.0 | True data verified per appraisal. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 180 | 8213390912 | Primary Appraised Property Value | 1300000 | 1356000.0 | True data verified per appraisal. |
| 180 | 8213390912 | Total Qualified Assets Post-Close | 208403.97 | 494912.71 | True data verified per bank statements. |
| 180 | 8213390912 | Qualifying Total Debt Income Ratio | 36.44 | 42.69 | True data verified per credit report and loan documents. |
| 180 | 8213390912 | Escrow Waiver in File | N/A | Yes |  |
| 198 | 8213734969 | Qualifying Interest Rate | 6.375 | 0.06375 |  |
| 198 | 8213734969 | Total Closing Costs | 17294.13 | 1185.0 | Per closing disclosure the closing costs are $17,294.13 |
| 198 | 8213734969 | Total Qualified Assets Post-Close | 59015.13 | 260651.55 | Post close assets are correct |
| 198 | 8213734969 | Qualifying Total Debt Income Ratio | 25.89 | 26.0 | DTI has been rounded uo |
| 220 | 8213982634 | Qualifying Interest Rate | 6.375 | 0.06375 |  |
| 220 | 8213982634 | Qualifying FICO | 784 | 0.0 | credit report middle fico score is correct |
| 220 | 8213982634 | Total Closing Costs | 11125.63 | 67003.01 | Per CD dated 11/21/2025 total closing costs are $11,125.63 |
| 220 | 8213982634 | Qualifying Total Debt Income Ratio | 32.66 | 32.52 | interest rate is correct |
| 206 | 8213919368 | Qualifying Interest Rate | 6.25 | 0.0625 | interest rate is correct |
| 206 | 8213919368 | Borrower 1 Self-Employment Flag | Yes | No | bwr #1 is s/e |
| 206 | 8213919368 | Primary Appraised Property Value | 1450000 | 1480000.0 | value is correct and supported |
| 206 | 8213919368 | Total Qualified Assets Post-Close | 207584.45 | 266698.4 | post close assests are correct |
| 206 | 8213919368 | Qualifying Total Debt Income Ratio | 23.93 | 24.0 | dti is correct rounded up |
| 206 | 8213919368 | Secondary Appraised Property Value | 1480000 | 0.0 |  |
| 147 | 6191696951 | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 147 | 6191696951 | Total Qualified Assets Post-Close | 127180.82 | 450532.81 | True data verified per bank statements. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 146 | 6191695910 | Qualifying CLTV | 70.7 | 71.0 | cltv is correct rounded |
| 146 | 6191695910 | Qualifying LTV | 70.7 | 71.0 | ltv is correct rounded |
| 146 | 6191695910 | Total Monthly Property Insurance Amount | 298.03 | 298.04 | insurance amount is correct one cent difference |
| 138 | 6191685698 | Qualifying Interest Rate | 6.625 | 0.06625 | 6.625 per note |
| 138 | 6191685698 | Qualifying LTV | 79.1 | 80.0 | Lender LTV__80__% CLTV__80__%.<br> Audit LTV__79.10__% CLTV__79.10__%<br> The difference is due to system rounding |
| 138 | 6191685698 | Qualifying CLTV | 79.1 | 80.0 | Lender LTV__80__% CLTV__80__%.<br> Audit LTV__79.10__% CLTV__79.10__%<br> The difference is due to system rounding |
| 138 | 6191685698 | Total Qualified Assets Post-Close | 151963.54 | 191322.4 | ASSETS<br> $431,973.89Total available assets prior to close / Audit<br> $191,187.44Total available assets prior to close / Lender/AUS<br> $151,963.54Total available assets post close / Audit |
| 114 | 6191649175 | Qualifying Interest Rate | 6.0 | 0.06 | Per Note |
| 114 | 6191649175 | Borrower 1 FTHB | true | false | Per 1003 |
| 114 | 6191649175 | Total Monthly Property Insurance Amount | 372.05 | 409.63 | Per Insurance docs on file |
| 114 | 6191649175 | Total Qualified Assets Post-Close | 263992.9 | 1376242.55 | Per Assets |
| 114 | 6191649175 | Qualifying Total Debt Income Ratio | 24.79 | 25.0 | per insurance doc |
| 203 | 8213903061 | Property Address | 9915 Rising Wing Street | 9915 RISING WING ST | 9915 Rising Wing Street per note |
| 203 | 8213903061 | Qualifying Interest Rate | 6.25 | 0.065 | 6.25 per note |
| 203 | 8213903061 | Total Qualified Assets Post-Close | 144785.84 | 388815.36 | $559,618.21Total available assets prior to close / Audit<br> $559,618.21Total available assets prior to close / Lender/AUS<br> $144,785.84Total available assets post close / Audit |
| 203 | 8213903061 | Escrow Waiver in File | N/A | Yes |  |
| 135 | 6191681587 | Qualifying Interest Rate | 5.875 | 0.05875 | True data verified per Note. |
| 135 | 6191681587 | Total Qualified Assets Post-Close | 605018.19 | 1160737.15 | True data verified per bank statements. |
| 135 | 6191681587 | Qualifying Total Debt Income Ratio | 35.94 | 35.95 | True data verified per credit report and loan documents. |
| 241 | 8214070555 | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 241 | 8214070555 | Borrower 2 Self-Employment Flag | Yes | No | bwr#2 is s/e per loan documents |
| 241 | 8214070555 | Total Qualified Assets Post-Close | 87666.49 | 395043.97 | Post close assets are correct |
| 202 | 8213900171 | Qualifying Interest Rate | 6.5 | 0.065 | 6.5 per note |
| 202 | 8213900171 | Borrower 1 Self-Employment Flag | Yes | No | B1 is self employed per 1003 and schedule C income |
| 202 | 8213900171 | Total Monthly Property Insurance Amount | 931.99 | 732.75 | $931.99 consists of HOI and Flood |
| 202 | 8213900171 | Total Qualified Assets Post-Close | 54926.58 | 413429.78 | $416,515.80Total available assets prior to close / Audit<br> $413,429.78Total available assets prior to close / Lender/AUS<br> The Net Proceeds are slightly higher than anticipated. Resubmission to the AUS not required.<br> $54,926.58Total available assets post close / Audit |
| 202 | 8213900171 | Qualifying Total Debt Income Ratio | 49.75 | 48.81 | 49.75 actual DTI. Final AUS and 1008 are missing |
| 202 | 8213900171 | Escrow Waiver in File | N/A | Yes |  |
| 244 | 8214088549 | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per the note |
| 244 | 8214088549 | Qualifying FICO | 721 | 0.0 | 721 per credit report |
| 244 | 8214088549 | Total Closing Costs | 27869.6 | 77751.15 | 27869.6 per the PCCD |
| 244 | 8214088549 | Qualifying Total Debt Income Ratio | 20.8 | 21.0 | 21.00 is rounded up by the AUS |
| 144 | 6191693284 | Qualifying Interest Rate | 6.375 | 0.06375 | True data verified per Note. |
| 144 | 6191693284 | Total Qualified Assets Post-Close | 150348.26 | 171311.4 | True data verified per bank statements. |
| 144 | 6191693284 | Qualifying Total Debt Income Ratio | 39.38 | 39.0 | True data verified per loan documents. |
| 122 | 6191661559 | Property Address | 6938 South Grande Drive | 6938 S GRANDE DR | 6938 South Grande Drive per final CD |
| 122 | 6191661559 | Qualifying Interest Rate | 6.875 | 0.06875 | 6.875 per note |
| 122 | 6191661559 | Total Monthly Property Insurance Amount | 494.63 | 556.0 | $494.63 per final CD & HOI dec page |
| 122 | 6191661559 | Total Qualified Assets Post-Close | 51690.14 | 275152.01 | $275,152.01Total available assets prior to close / Audit<br> $275,152.01Total available assets prior to close / Lender/AUS<br> $51,690.14Total available assets post close / Audit |
| 139 | 6191686222 | Qualifying Interest Rate | 6.625 | 0.06625 | Discrepancy is due to data entry, True data is correct. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 139 | 6191686222 | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen | Discrepancy is due to data entry, True data is correct. |
| 139 | 6191686222 | Total Qualified Assets Post-Close | 231017.42 | 409012.17 | Discrepancy is due to data entry, Verified assets are $446,212.17 |
| 139 | 6191686222 | Qualifying Total Debt Income Ratio | 41.36 | 35.34 | Discrepancy is due to data entry, True data is correct. |
| 212 | 8213966169 | Qualifying Interest Rate | 6.5 | 0.065 | Per Note |
| 212 | 8213966169 | Qualifying FICO | 779 | 0.0 | Per Credit Liabilities |
| 212 | 8213966169 | Qualifying LTV | 71.26 | 71.25 | Per Appraisal |
| 212 | 8213966169 | Qualifying CLTV | 71.26 | 71.25 | Per Appraisal |
| 212 | 8213966169 | Total Qualified Assets Post-Close | 32502.02 | 32109.0 | Per Assets |
| 212 | 8213966169 | Qualifying Total Debt Income Ratio | 33.05 | 33.0 | AUS is LP |
| 179 | 8213344232 | Qualifying Interest Rate | 6.875 | 0.06875 | Same number different decimal placement |
| 179 | 8213344232 | Total Qualified Assets Post-Close | 77433.09 | 82445.0 | Post closing assets $77,433.09 confirmed deducting cash to close and required reserves from verified assets. |
| 179 | 8213344232 | Qualifying Total Debt Income Ratio | 47.88 | 47.16 | Audit DTI matches Final 1003 |
| 179 | 8213344232 | Escrow Waiver in File | N/A | Yes |  |
| 121 | 6191660944 | Property Address | 4 Glenway Court | 4 GLENWAY CT | address is correct there is a variation in capitalized vs. lower case |
| 121 | 6191660944 | Qualifying Interest Rate | 6.375 | 0.0625 | interest rate is correct |
| 121 | 6191660944 | Qualifying FICO | 751 | 0.0 | credit report |
| 121 | 6191660944 | Total Qualified Assets Post-Close | 533424.64 | 1905945.0 | post close assets are correct |
| 121 | 6191660944 | Qualifying Total Debt Income Ratio | 33.4 | 32.84 | dti difference due to hoa monthly fee not provided by the Lender |
| 121 | 6191660944 | Escrow Waiver in File | Yes | No |  |
| 215 | 8213975804 | Qualifying Interest Rate | 6.125 | 0.07 | Per note document |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 215 | 8213975804 | Borrower 1 Self-Employment Flag | Yes | No | Per final application |
| 215 | 8213975804 | Total Qualified Assets Post-Close | 48474.48 | 266124.38 | Per asset document |
| 215 | 8213975804 | Qualifying Total Debt Income Ratio | 49.39 | 49.76 | DTI variance is due to the lender using the credit report dated 08/06/25, while the audit used the updated report dated 11/20/25. The variance is within the 3% tolerance and the DTI remains below 50%. No further action required. |
| 215 | 8213975804 | Escrow Waiver in File | N/A | No | Compliance review field |
| 74 | 6191582951 | Property Address | 1036 Mallard Drive | 1036 MALLARD DR | Due to caps |
| 74 | 6191582951 | Qualifying Interest Rate | 6.875 | 0.06875 | Confirmed with the note. |
| 74 | 6191582951 | Borrower 1 Self-Employment Flag | No | Yes | Confirmed B1 is not self employed. |
| 74 | 6191582951 | Total Qualified Assets Post-Close | 352611.73 | 588216.53 | Confirmed with system calculations. |
| 74 | 6191582951 | Qualifying Total Debt Income Ratio | 40.04 | 10.0 | Confirmed |
| 74 | 6191582951 | Escrow Waiver in File | Yes | No |  |
| 152 | 6191706432 | Qualifying Interest Rate | 6.75 | 0.0675 | Per note |
| 152 | 6191706432 | Total Qualified Assets Post-Close | 887402.8 | 1073242.02 | Per updated assets |
| 152 | 6191706432 | Qualifying Total Debt Income Ratio | 42.75 | 43.0 |  |
| 152 | 6191706432 | Escrow Waiver in File | Yes | No |  |
| 229 | 8214022765 | Qualifying Interest Rate | 6.0 | 0.06 | Per note document |
| 229 | 8214022765 | Borrower 2 Self-Employment Flag | Yes | No | Per final application |
| 229 | 8214022765 | Qualifying FICO | 777 | 0.0 | Per credit report |
| 229 | 8214022765 | Qualifying LTV | 53.41 | 54.0 | Rounding |
| 229 | 8214022765 | Qualifying CLTV | 53.41 | 54.0 | Rounding |
| 229 | 8214022765 | Total Qualified Assets Post-Close | 55999.8 | 196148.27 | Per asset documents |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 229 | 8214022765 | Escrow Waiver in File | Yes | No | Compliance review field |
| 145 | 6191694441 | Qualifying Interest Rate | 6.25 | 0.0625 | Decimal |
| 145 | 6191694441 | Borrower 1 Last Name | Coy | COY | Caps |
| 145 | 6191694441 | Borrower 1 First Name | Jody | JODY | Caps |
| 145 | 6191694441 | Total Qualified Assets Post-Close | 1151199.19 | 1646644.85 | Decimal |
| 145 | 6191694441 | Escrow Waiver in File | Yes | No |  |
| 57 | 6191525661 | Property Address | 5185 Solace Dr. | 5185 SOLACE DR |  |
| 57 | 6191525661 | Total Closing Costs | 18663.49 | 24589.08 | Total closing cost per post closing CD reflects $18,663.49-Pg 3150 |
| 57 | 6191525661 | Total Monthly Property Insurance Amount | 255.67 | 129.92 | Per pg 3378 HOI dec page show annual premium $3068.04/12=$255.67 per month |
| 57 | 6191525661 | Total Qualified Assets Post-Close | 186864.56 | 511569.36 | Total assets verified $511, 5659.36 borrower was required to bring $324,70480 which left $186,864.56 left available post closing |
| 57 | 6191525661 | Qualifying Total Debt Income Ratio | 36.06 | 27.06 | Auditor and lender property tax figures differ. Lender qualified the borrower with monthly obligations $1509.93/Auditor verified taxes per page 3762. Taxes are paid semi monthly $36,859.26 x 2=$73,718.52/12=$6143.21. Updated taxes to reflect such. Total housing expenses increased,194.73= to $13,427.28 + $1513 Other debt total monthly obligations $17,380.14/ Monthly income $48,194.73=36.06% DTI |
| 131 | 6191675076 | Qualifying FICO | 778 | 0.0 | Confirmed |
| 131 | 6191675076 | Qualifying Total Debt Income Ratio | 23.79 | 24.0 | Due to rounding |
| 132 | 6191679723 | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 132 | 6191679723 | Qualifying CLTV | 44.12 | 44.11 | True data verified per appraisal, AVM and loan documents. |
| 132 | 6191679723 | Total Qualified Assets Post-Close | 397238.64 | 3497700.15 | True data verified per bank statements. |
| 132 | 6191679723 | Escrow Waiver in File | N/A | Yes | True data verified per loan documents. |
| 127 | 6191670291 | Qualifying Interest Rate | 6.0 | 0.06 | True data verified per Note. |
| 127 | 6191670291 | Total Qualified Assets Post-Close | 2213681.04 | 2611422.24 | True data verified per bank statements. |
| 127 | 6191670291 | Qualifying Total Debt Income Ratio | 26.24 | 26.156 | True data verified per credit report, tax bill, and other loan documents. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 127 | 6191670291 | Escrow Waiver in File | Yes | No | True data verified by escrow waiver in file. |
| 140 | 6191686526 | Qualifying Interest Rate | 6.25 | 0.0625 | True data verified per Note. |
| 140 | 6191686526 | Total Monthly Property Insurance Amount | 260.17 | 220.0 | True data verified per hazard policy. |
| 140 | 6191686526 | Total Qualified Assets Post-Close | 220105.6 | 553026.57 | True data verified per bank statements. |
| 140 | 6191686526 | Qualifying Total Debt Income Ratio | 10.76 | 12.27 | True data verified per credit report and loan documents. |
| 140 | 6191686526 | Escrow Waiver in File | N/A | Yes | True data verified by final CD. |
| 118 | 6191658715 | Escrow Waiver in File | N/A | Yes |  |
| 137 | 6191684987 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 137 | 6191684987 | Qualifying CLTV | 73.42 | 73.41 | Per CLTV |
| 137 | 6191684987 | Qualifying LTV | 73.42 | 73.41 | Per LTV |
| 137 | 6191684987 | Total Qualified Assets Post-Close | 1788523.54 | 242763.9 | Per assets |
| 137 | 6191684987 | Qualifying Total Debt Income Ratio | 25.01 | 25.0 | Per DTI |
| 137 | 6191684987 | Escrow Waiver in File | N/A | Yes | Per final CD |
| 109 | 6191631035 | Qualifying Interest Rate | 6.375 | 0.06375 | Discrepancy is due to data entry. True Data is correct |
| 109 | 6191631035 | Qualifying LTV | 59.36 | 59.35 | Discrepancy is due to data entry. True Data is correct. Verified LTV is 59.358% |
| 109 | 6191631035 | Qualifying CLTV | 59.36 | 59.35 | Discrepancy is due to data entry. True Data is correct. Verified CLTV is 59.358% |
| 109 | 6191631035 | Total Monthly Property Insurance Amount | 461.42 | 462.0 | Discrepancy is due to data entry. True Data is correct |
| 109 | 6191631035 | Total Qualified Assets Post-Close | 118683.14 | 98304.69 | Discrepancy is due to data entry. True Data is correct |
| 109 | 6191631035 | Qualifying Total Debt Income Ratio | 43.45 | 43.0 | The recalculate Total Qualifying DTI is $6863.70(Subject total housing payment) +$56 (total debts)+ $4597 (primary residence) = $11,516.70/$26,508.41(qualifying total monthly income) = 43.445%. The Total DTI is still within the 3% tolerance. |
| 109 | 6191631035 | Escrow Waiver in File | Yes | No | Discrepancy is due to data entry. True Data is correct |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 168 | 6691667180 | Total Qualified Assets Post-Close | 502491.39 | 478491.39 | $478,491.39 are liquid assets total assets include the IRA ACCT |
| 168 | 6691667180 | Qualifying Total Debt Income Ratio | 41.3 | 40.0 | Auditor verified income in the amount of $69,278.79. $1802.25 less than the Lender causing the income to slightly decrease |
| 168 | 6691667180 | Escrow Waiver in File | N/A | Yes | Per final CD the auditor did not see an escrow waiver fee disclosed |
| 236 | 8214057396 | Property Address | 932 Wilder Lane | 932 WILDER LN | escrow waiver |
| 236 | 8214057396 | Qualifying Interest Rate | 6.0 | 0.06 | interest rate is correct |
| 236 | 8214057396 | Qualifying LTV | 75.09 | 75.08 | Post close assets are correct |
| 236 | 8214057396 | Qualifying CLTV | 75.09 | 75.08 | cltv is correct |
| 236 | 8214057396 | Total Qualified Assets Post-Close | 159195.21 | 406175.49 | interest rate is correct |
| 236 | 8214057396 | Qualifying Total Debt Income Ratio | 44.41 | 46.0 | address is correct |
| 236 | 8214057396 | Escrow Waiver in File | N/A | Yes | LTV is correct |
| 222 | 8213993338 | Qualifying Interest Rate | 6.875 | 0.06875 | Per Note |
| 222 | 8213993338 | Total Monthly Property Insurance Amount | 282.88 | 168.46 | premium verified |
| 222 | 8213993338 | Total Qualified Assets Post-Close | 432882.2 | 669663.57 | Assets verified |
| 222 | 8213993338 | Qualifying Total Debt Income Ratio | 38.93 | 36.95 | Flood Insurance included in the DTI. AUS does not capture Flood Insurance |
| 222 | 8213993338 | Escrow Waiver in File | N/A | Yes | Unable to update |
| 238 | 8214068227 | Qualifying Interest Rate | 6.125 | 0.06125 | interest rate is correct |
| 238 | 8214068227 | Qualifying LTV | 51.71 | 52.0 | ltv/cltv is correct |
| 238 | 8214068227 | Qualifying CLTV | 51.71 | 52.0 | ltv/cltv is correct |
| 238 | 8214068227 | Total Qualified Assets Post-Close | 265498.9 | 1054637.96 | post close assets are correct |
| 238 | 8214068227 | Escrow Waiver in File | Yes | No | mapping issue |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 223 | 8214003621 | Property Address | 6200 BROAD BRANCH RD, NW | 6200 BROAD BRANCH RD NW | . |
| 223 | 8214003621 | Qualifying Interest Rate | 6.125 | 0.06125 | Per Note |
| 223 | 8214003621 | Borrower 2 Self-Employment Flag | Yes | No | B2 is Self Employed |
| 223 | 8214003621 | Qualifying CLTV | 68.83 | 69.0 | Rounded Up |
| 223 | 8214003621 | Qualifying LTV | 68.83 | 69.0 | Rounded Up |
| 223 | 8214003621 | Total Qualified Assets Post-Close | 409862.4 | 848065.56 | Assets Verified |
| 223 | 8214003621 | Escrow Waiver in File | N/A | Yes | Unable to update |
| 235 | 8214056143 | Qualifying Interest Rate | 6.25 | 0.0625 | interest rate is correct |
| 235 | 8214056143 | Total Closing Costs | 80915.15 | 2828.6 | closing costs are correct |
| 235 | 8214056143 | Qualifying LTV | 60.0 | 59.99 | ltv/cltv is correct |
| 235 | 8214056143 | Qualifying CLTV | 60.0 | 59.99 | ltv/cltv is correct |
| 235 | 8214056143 | Total Qualified Assets Post-Close | 637846.93 | 1332025.83 | Post close assets are correct |
| 235 | 8214056143 | Qualifying Total Debt Income Ratio | 43.33 | 43.0 | DTI is correct |
| 235 | 8214056143 | Escrow Waiver in File | N/A | Yes | mapping issues |
| 217 | 8213976138 | Qualifying Interest Rate | 6.25 | 0.0625 | 6.25 per note |
| 217 | 8213976138 | Borrower 2 Self-Employment Flag | Yes | No | Confirmed with tax returns |
| 217 | 8213976138 | Borrower 1 Self-Employment Flag | Yes | No | Confirmed with tax returns |
| 217 | 8213976138 | Total Monthly Property Insurance Amount | 300.25 | 356.66 | The subject HOI is actually $300.25 monthly. The lender included $356.66 monthly but is not required to resubmit to the AUS. |
| 217 | 8213976138 | Total Qualified Assets Post-Close | 390252.76 | 485673.25 | $623,359.61Total available assets prior to close / Audit<br> $572,673.25Total available assets prior to close / Lender/AUS<br> $390,252.76Total available assets post close / Audit<br> The lender did not document the Secured funds of $87k as reflected on the 1003 and the AUS, but the lender did document the HELOC funds of 400k reflected on the 1003 and credit report. Additionally stocks were documented in the file which are sufficient to close. |
| 217 | 8213976138 | Qualifying Total Debt Income Ratio | 42.6 | 42.7 | Lender DTI is __42.70__%. Audit DTI is __42.60__%.<br> The subject HOI is actually $300.25 monthly. The lender included $356.66 monthly but is not required to resubmit to the AUS. |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 217 | 8213976138 | Escrow Waiver in File | Yes | No | Escrow waiver in file |
| 225 | 8214009191 | Qualifying Interest Rate | 6.75 | 0.0675 | Mapping issue. |
| 225 | 8214009191 | Borrower 2 Self-Employment Flag | Yes | No | Borrower 2 self employment confirmed with final 1003. |
| 225 | 8214009191 | Total Monthly Property Insurance Amount | 421.75 | 229.17 | Total monthly property insurance confirmed with final CD. |
| 225 | 8214009191 | Total Qualified Assets Post-Close | 525892.1 | 613884.98 | Total qualified assets post closing confirmed with documentation in file. |
| 225 | 8214009191 | Qualifying Total Debt Income Ratio | 26.01 | 26.0 | Rounding. |
| 225 | 8214009191 | Escrow Waiver in File | N/A | Yes | Confirmed with disclosures in file that the loan has no Escrow waiver. |
| 231 | 8214035262 | Property Address | 7 East 39Th Street | 7 E 39TH ST | Capitalization. |
| 231 | 8214035262 | Qualifying Interest Rate | 6.125 | 0.06125 | Mapping issue. |
| 231 | 8214035262 | Qualifying CLTV | 64.41 | 65.0 | Rounding. |
| 231 | 8214035262 | Qualifying LTV | 64.41 | 65.0 | Rounding. |
| 231 | 8214035262 | Total Monthly Property Insurance Amount | 288.21 | 200.42 | Total monthly hazard and flood insurance amount confirmed with documentation in file. |
| 231 | 8214035262 | Total Qualified Assets Post-Close | 3059976.47 | 4196346.43 | Total qualified assets post closing confirmed with documentation in file. |
| 231 | 8214035262 | Escrow Waiver in File | N/A | Yes | Confirmed with final CD the loan had no escrow waiver. |
| 232 | 8214038114 | Borrower 1 Last Name | Vander Velde | Velde | Per note |
| 232 | 8214038114 | Qualifying Interest Rate | 6.75 | 0.0675 | Per Note |
| 232 | 8214038114 | Total Qualified Assets Post-Close | 312900.68 | 373839.93 | Per Assets |
| 232 | 8214038114 | Escrow Waiver in File | N/A | Yes | compliance |
| 124 | 6191663974 | Qualifying Interest Rate | 6.125 | 0.06125 | True data verified per Note. |
| 124 | 6191663974 | Total Qualified Assets Post-Close | 806637.84 | 1201057.98 | True data verified per bank statements. |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 124 | 6191663974 | Qualifying Total Debt Income Ratio | 34.53 | 34.0 | True data verified per credit report and loan documents. |
| 124 | 6191663974 | Escrow Waiver in File | N/A | Yes | True data verified per loan documents. |
| 242 | 8214070643 | Qualifying Interest Rate | 7.125 | 0.07125 | Per note |
| 242 | 8214070643 | Qualifying CLTV | 77.78 | 78.0 | Per Appraisal |
| 242 | 8214070643 | Qualifying LTV | 77.78 | 78.0 | Per Appraisal |
| 242 | 8214070643 | Total Qualified Assets Post-Close | 233937.75 | 448340.94 | Per assets |
| 242 | 8214070643 | Qualifying Total Debt Income Ratio | 46.63 | 44.16 | Per credit docs |
| 242 | 8214070643 | Escrow Waiver in File | N/A | Yes | compliance |
| 213 | 8213968697 | Qualifying Interest Rate | 6.25 | 0.0625 | Per Note |
| 213 | 8213968697 | Borrower 1 Self-Employment Flag | Yes | No | No Income used for B2 |
| 213 | 8213968697 | Total Closing Costs | 14861.38 | 82897.37 | Per CD |
| 213 | 8213968697 | Qualifying LTV | 72.27 | 73.0 | Rounded up |
| 213 | 8213968697 | Qualifying CLTV | 72.27 | 73.0 | Rounded Up |
| 213 | 8213968697 | Total Qualified Assets Post-Close | 606765.82 | 952326.61 | Assets Verified |
| 213 | 8213968697 | Qualifying Total Debt Income Ratio | 46.97 | 46.83 | Credit report has a CITI account with a payment of $40 monthly which was not included in the final 1003. DTI increased slightly when included |
| 213 | 8213968697 | Escrow Waiver in File | Yes | No | Unable to update |
| 195 | 8213664003 | Qualifying Interest Rate | 6.25 | 0.0625 | Mapping issue. |
| 195 | 8213664003 | Total Qualified Assets Post-Close | 1172127.62 | 1466540.33 | Total qualified assets post closing confirmed with asset documentation in file. |
| 195 | 8213664003 | Escrow Waiver in File | N/A | Yes | Final CD shows escrows. |
| 209 | 8213936415 | Property Address | 113 Serenity Drive | 113 SERENITY DR | Per note |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 209 | 8213936415 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| 209 | 8213936415 | Total Qualified Assets Post-Close | 360573.04 | 480704.04 | Per assets |
| 209 | 8213936415 | Qualifying Total Debt Income Ratio | 29.5 | 29.53 | Per DTI |
| 209 | 8213936415 | Escrow Waiver in File | N/A | Yes | Per escrow waiver |
| 204 | 8213914780 | Property Address | 133 E. Walnut Street | 133 E WALNUT ST | Per note |
| 204 | 8213914780 | Qualifying Interest Rate | 6.0 | 0.06 | Per note |
| 204 | 8213914780 | Total Qualified Assets Post-Close | 50106.22 | 739217.97 | Per assets |
| 204 | 8213914780 | Qualifying Total Debt Income Ratio | 28.36 | 28.0 | Per DTI |
| 204 | 8213914780 | Escrow Waiver in File | Yes | No | Per escrow waiver |
| 205 | 8213916330 | Property Address | 152 Scituate Street | 152 SCITUATE ST | Property address is correct as represented |
| 205 | 8213916330 | Qualifying Interest Rate | 6.125 | 0.06125 | Interest rate is correct |
| 205 | 8213916330 | Total Qualified Assets Post-Close | 82425.57 | 430384.47 | Post close assets have been confirmed |
| 205 | 8213916330 | Qualifying Total Debt Income Ratio | 25.62 | 25.78 | Dti ratio has been confirmed |
| 205 | 8213916330 | Escrow Waiver in File | N/A | Yes | Mapping issue |
| 201 | 8213881098 | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 201 | 8213881098 | Qualifying CLTV | 52.02 | 53.0 | Per CLTV |
| 201 | 8213881098 | Qualifying LTV | 52.02 | 53.0 | Per LTV |
| 201 | 8213881098 | Total Qualified Assets Post-Close | 48235.33 | 125639.63 | Per assets |
| 201 | 8213881098 | Qualifying Total Debt Income Ratio | 44.58 | 44.57 | Per DTI |
| 247 | 8214128243 | Property Address | 1473 Willow Road | 1473 WILLOW RD | True data verified per Note. |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 247 | 8214128243 | Qualifying Interest Rate | 6.625 | 0.06625 | True data verified per Note. |
| 247 | 8214128243 | Qualifying LTV | 79.95 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 247 | 8214128243 | Qualifying CLTV | 79.95 | 80.0 | True data verified per appraisal and loan documents. Rounding. |
| 247 | 8214128243 | Total Monthly Property Insurance Amount | 240.44 | 300.0 | True data verified per hazard policy. |
| 247 | 8214128243 | Total Qualified Assets Post-Close | 120262.94 | 406704.51 | True data verified per bank statements. |
| 247 | 8214128243 | Escrow Waiver in File | Yes | No | True data verified per loan documents. |
| 228 | 8214022345 | Property Address | 3076 EAGLE POINTE DRIVE | 3076 EAGLE POINTE DR | . |
| 228 | 8214022345 | Qualifying Total Debt Income Ratio | 47.19 | 47.0 | AUS rounded down DTI. LM DTI matches 1008 in file |
| 228 | 8214022345 | Escrow Waiver in File | N/A | Yes | Unable to update |
| 226 | 8214009605 | Qualifying Interest Rate | 6.375 | 0.06375 | interest rate is correct |
| 226 | 8214009605 | Borrower 1 Self-Employment Flag | Yes | No | borrower one owns 25 percent or more |
| 226 | 8214009605 | Total Monthly Property Insurance Amount | 256.33 | 200.0 | insurance is correct |
| 226 | 8214009605 | Total Qualified Assets Post-Close | 70134.51 | 318315.07 | post close assets are correct |
| 226 | 8214009605 | Qualifying Total Debt Income Ratio | 42.45 | 43.58 | dti is correct |
| 226 | 8214009605 | Escrow Waiver in File | N/A | Yes | mapping issue |
| 233 | 8214050192 | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per Note. |
| 233 | 8214050192 | Qualifying LTV | 67.31 | 68.0 | True data verified per appraisal and loan documents. Rounding. |
| 233 | 8214050192 | Qualifying CLTV | 67.31 | 68.0 | True data verified per appraisal and loan documents. Rounding. |
| 233 | 8214050192 | Total Qualified Assets Post-Close | 120048.68 | 137195.82 | True data verified per bank statements. |
| 233 | 8214050192 | Escrow Waiver in File | Yes | No | True data verified per escrow waiver in file. |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 253 | 8214148972 | Total Qualified Assets Post-Close | 727909.89 | 970059.2 | Confirmed with system calculations |
| 253 | 8214148972 | Qualifying Total Debt Income Ratio | 27.07 | 25.32 | Confirmed with approval. |
| 254 | 8214177829 | Total Qualified Assets Post-Close | 196051.9 | 557416.4 | $557,416.40Total available assets prior to close / Audit<br> $557,416.40Total available assets prior to close / Lender/AUS<br> $196,051.90Total available assets post close / Audit |
| 257 | 8214187068 | Total Monthly Property Insurance Amount | 186.61 | 200.0 | Total monthly property insurance confirmed with HOI declaration page. |
| 252 | 8214147091 | Total Qualified Assets Post-Close | 307209.05 | 400977.2 | Assets verified on statements. |
| 255 | 8214185536 | Total Qualified Assets Post-Close | 207838.56 | 472136.26 | Total qualified asset post closing confirmed with asset documentation in file. |
| 258 | 8214295664 | Qualifying Interest Rate | 6.5 | 0.065 | True data verified per Note. |
| 258 | 8214295664 | Qualifying LTV | 69.7 | 70.0 | True data verified per appraisal and loan documents. Rounding. |
| 258 | 8214295664 | Qualifying CLTV | 69.7 | 70.0 | True data verified per appraisal and loan documents. Rounding. |
| 258 | 8214295664 | Total Qualified Assets Post-Close | 238039.49 | 706592.73 | True data verified per bank statements. |
| 256 | 8214186543 | Total Qualified Assets Post-Close | 638087.65 | 647628.43 | True data verified per bank statements. |
| 256 | 8214186543 | Qualifying Total Debt Income Ratio | 26.92 | 27.0 | True data verified per credit report and loan documents. |
| 199 | 8213755553 | Property Address | 28793 Palisades Drive | 28793 PALISADES DR | Per Note |
| 199 | 8213755553 | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| 199 | 8213755553 | Occupancy | Second Home | Primary Residence |  |
| 199 | 8213755553 | Qualifying FICO | 771 | 0.0 | Per Credit Liabilites |
| 199 | 8213755553 | Total Closing Costs | 74132.16 | 54959.58 | compliance |
| 199 | 8213755553 | Total Monthly Property Insurance Amount | 499.66 | 499.67 | Per HOI |
| 199 | 8213755553 | Total Qualified Assets Post-Close | 908486.92 | 1201721.0 | Per Assets |
| 199 | 8213755553 | Qualifying Total Debt Income Ratio | 14.3 | 16.09 | Per REO rentals- see income worksheet . final 1003 and AUS also had different rentals |
| 199 | 8213755553 | Escrow Waiver in File | N/A | Yes |  |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  |  | XXXXXX D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  |  | XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  |  | XXXXXX D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  |  | XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  |  | XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  |  | XXXXXX D B A |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  |  | XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  |  | XXXXXX C B A |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  |  | XXXXXX D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  |  | XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  |  | XXXXXX C B A |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  |  | XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  |  | XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  |  | XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  |  | XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  |  | XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  |  | XXXXXX C A |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  |  | XXXXXX D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  |  | XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  |  | XXXXXX D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX |  |  | XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  |  | XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | XXXXXX |  |  | XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  |  | XXXXXX D B A |

---

## Exhibit 99.10

**EXHIBIT 99.10** 

**CONSOLIDATED ANALYTICS ATR QM REPORT** 

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13389 | 6.365 | 12255.86 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 14162.49 | 6.379 | 53563.77 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9617 | 6.229 | 21539.15 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 15617 | 6.548 | 119998.52 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11165 | 6.222 | 12234.9 | Not Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8170.09 | 6.211 | 33879.86 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2295 | 6.199 | 12774.81 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11009 | 6.246 | 18083.5 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.147 | 21427.97 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.526 | 16375.72 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.193 | 21983.96 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13677.65 | 6.135 | 46983.24 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1575 | 6.535 | 20749.07 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13894.12 | 6.385 | 17832.64 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16171.25 | 6.521 | 32795.36 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 17909 | 6.618 | 13496.78 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2682.8 | 6.144 | 15821.19 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16165 | 7.048 | 7845.31 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 430 | 6.511 | 20907.39 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1945 | 6.27 | 38338.55 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11977.35 | 6.229 | 14328.63 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 19884.56 | 6.422 | 30835 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11324 | 6.482 | 19895.14 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1895 | 6.28 | 34585.6 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1500 | 6.014 | 19362.65 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2325 | 6.279 | 12928.22 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12243.89 | 6.287 | 28536.55 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;56 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11148.4 | 6.662 | 14219.91 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 14074 | 6.35 | 46751.89 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1574 | 6.017 | 15346.65 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2059 | 6.137 | 21441.52 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1569 | 6.271 | 14826.88 | Retired |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11560 | 6.198 | 15416.08 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.639 | 20311.59 | Retired | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 580 | 6.383 | 44931.59 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 18626.12 | 6.42 | 22412.46 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1895 | 6.763 | 37479.82 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 21173.35 | 6.889 | 12974.71 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 7425 | 6.457 | 36847.55 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16507.56 | 6.542 | 23241.56 | Employed |  | No |  | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8134 | 6.44 | 13359.42 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 985 | 6.273 | 12313.59 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8675.98 | 6.595 | 21927.78 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16165.48 | 6.425 | 18153.84 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12821.48 | 6.356 | 22545.48 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 10784 | 6.228 | 18166.32 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 19203.44 | 6.581 | 7520.27 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.266 | 25231.29 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16165.41 | 6.387 | 25801.72 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2519 | 6.262 | 113787.11 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16184 | 6.492 | 17172.69 | Not Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16171.4 | 6.551 | 10356.69 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16469 | 6.37 | 19159.07 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 17753 | 6.664 | 18352.81 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16769 | 6.667 | 27312.72 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 20913.23 | 6.397 | 43761.4 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 10956.56 | 6.51 | 38959.89 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11605 | 6.613 | 16545.11 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2740 | 6.802 | 8480.92 | Retired |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 6413.5 | 6.393 | 34615.96 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11165 | 6.087 | 100759.57 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 22469 | 6.547 | 23705.84 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8069 | 6.306 | 23623 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16171.63 | 6.404 | 21726.35 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13229 | 6.286 | 16419.18 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16457 | 6.514 | 24779.96 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 31166.6 | 6.258 | 43361.39 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.377 | 37109.04 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11419 | 6.241 | 19443.99 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11588.8 | 6.362 | 28115.78 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 5077.5 | 6.552 | 39953.67 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1520 | 6.392 | 39869.19 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11569 | 6.496 | 16941.35 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16881.19 | 6.663 | 24773.83 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 21179 | 6.655 | 20942.03 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12858.92 | 6.346 | 17161.33 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 10461.05 | 6.306 | 14589.24 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 27100 | 6.409 | 20980.54 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1695 | 6.665 | 78375.1 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 15089 | 7.099 | 21141.61 | Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.312 | 28357.94 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 21168.5 | 6.127 | 112585.32 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9685.7 | 6.214 | 25464.36 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12052.2 | 6.38 | 16257.37 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 19158.8 | 6.305 | 26116.19 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 24303.24 | 6.242 | 9905.97 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 24283 | 6.565 | 14917.6 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 21338 | 6.66 | 8016.94 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1575 | 6.271 | 27714.7 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1650 | 6.139 | 31429.73 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11164.52 | 6.249 | 20276.37 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.948 | 23542.16 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.036 | 28071.7 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 20979.98 | 6.321 | 23908.29 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 6676.4 | 6.187 | 34094.52 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 10409 | 6.204 | 24160.79 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8427.6 | 6.107 | 18417.84 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 22573.96 | 6.361 | 18547.16 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9163.25 | 6.469 | 15823.17 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11975 | 6.758 | 11697.13 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11919 | 6.397 | 15673.76 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12116.8 | 6.515 | 15541.21 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 23545.84 | 6.466 | 28731.9 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 10019.4 | 6.235 | 23763.62 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 6968.8 | 6.322 | 15973.25 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.166 | 14695.01 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 3745 | 6.663 | 33583.42 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 19315.52 | 6.395 | 26148.9 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.4 | 20726.81 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 21169 | 6.354 | 33664.26 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 14069.51 | 6.655 | 21265.22 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 36812.5 | 5.813 | 13400.82 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1169 | 6.266 | 56757.86 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9175 | 6.942 | 109346.81 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2395 | 6.536 | 12100.25 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1250 | 6.362 | 16570.8 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1230 | 6.141 | 67384.48 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.139 | 33131.16 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.143 | 18724.87 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 18873.37 | 6.23 | 17105.48 | Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 5659.63 | 6.264 | 18989.82 | Retired | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 30572 | 6.347 | 16988.54 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.396 | 33136.54 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1190 | 6.521 | 20514.97 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2690 | 6.517 | 33647.26 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 6.519 | 23009.52 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1735 | 6.647 | 77455.34 | Not Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12370 | 6.244 | 138381.78 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.323 | 14162.65 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.281 | 52299.04 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 15069 | 6.237 | 18895.25 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 5476.88 | 6.319 | 16175.15 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11279 | 6.245 | 7481.7 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 7006 | 6.443 | 19055.48 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 777 | 6.389 | 33275.39 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1745 | 6.403 | 26765.38 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 5049 | 6.295 | 29107.65 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13619.17 | 6.289 | 8013.66 | Not Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8041.4 | 6.463 | 21486.98 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12605.16 | 6.777 | 12775.18 | Retired | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13961.5 | 6.118 | 43703.78 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11899.76 | 6.298 | 36491.39 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 4988 | 5.985 | 19127.92 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.395 | 28326.4 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 20070.04 | 6.724 | 7697.95 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.303 | 42899.2 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 13398 | 6.488 | 13148.6 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 14162.6 | 7.032 | 10445.56 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9668.8 | 6.74 | 13748.66 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2325 | 6.538 | 19824.3 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2325 | 6.271 | 38384.99 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 16793.3 | 6.414 | 21066.97 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.888 | 10557.6 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 12769 | 6.487 | 26714.98 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9641.81 | 6.244 | 14980.76 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 19514 | 6.91 | 28096.01 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 21176 | 6.811 | 17743.96 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.021 | 17833.02 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 36566.36 | 6.335 | 38362.6 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 14076.49 | 6.406 | 30814.59 | Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11459 | 6.39 | 28577.27 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 18861.5 | 6.085 | 44287.77 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 48745 | 6.133 | 65329.61 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 5464 | 6.297 | 111605.33 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11451.65 | 6.332 | 27231.81 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11819 | 6.468 | 42294.44 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 10147.93 | 6.481 | 14991.71 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 8203.28 | 6.855 | 40667.92 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 27259.32 | 6.266 | 11874.87 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.9 | 32672.46 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 4447.13 | 6.189 | 9181.98 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.147 | 12647.16 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.288 | 13943.01 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2748.4 | 6.281 | 31169.98 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.771 | 41248.68 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.148 | 51713.76 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1710 | 6.775 | 14599.02 | Retired |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11826.5 | 6.239 | 24824.53 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1940 | 7.155 | 9206.52 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 795 | 6.286 | 15385.82 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.268 | 25431.21 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.394 | 32310.31 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.046 | 24675.58 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1499 | 6.145 | 29896.21 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2456.03 | 6.519 | 13976.94 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 17919 | 6.789 | 19288.47 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 2745 | 6.154 | 12692.25 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 9785 | 6.488 | 18835.2 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1870 | 6.524 | 21735.93 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 5999 | 6.673 | 45790.84 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 4835 | 6.295 | 36436.33 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.65 | 16357.54 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.409 | 16366.85 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 19685 | 6.465 | 22314.94 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 11295 | 6.525 | 37627.26 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 23367.61 | 6.23 | 43848.07 | Not Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | 14504.38 | 6.674 | 148519.24 | Employed |  | No |  | No |  |

---

## Exhibit 99.11

**EXHIBIT 99.11** 

**CONSOLIDATED ANALYTICS VALUATIONS SUMMARY REPORT** 

------

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | 6191563285 |  | PennyMac<br>Loan<br>Services,<br>LLC | Twu | 10/08/2025 | $1222000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower at consummation. Per the appraisal acknowledgment disclosure, the borrower waived the timing requirements but nothing in the file confirmed a copy was provided at closing. | Evidence | 11/24/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 7.24 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | 6191563285 |  | PennyMac<br>Loan<br>Services,<br>LLC | Twu | 10/08/2025 | $1222000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid — See page 591 of the Original submission bookmarks<br> ; HVE | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 7.24 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | 6191563285 |  | PennyMac<br>Loan<br>Services,<br>LLC | Twu | 10/08/2025 | $1222000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 45.6% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 7.24 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.6% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | 6191574110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yokem | 10/15/2025 | $1110555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $15,173.09.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $15,173.09 ; cure package requires a PCCD, LOE, Copy of Refund Check, and proof delivery or a Valid COC. TILA 130b Cure Required. The exception is tied to the missing Initial LE Issued within 3 business days of the application date of 9/12/2025 (per compliance report in file) , as the earliest available LE is dated 9/19/2025. Please provide the initial LE (dated 09/12/25 per compliance report in file) issued within 3 business days of the application date of 09/12/2025. Additional testing will be completed, once the initial LE is provided. | Initial loan pkg; LE | 11/26/2025 | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided an LE; however, it is not for the subject transaction. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |

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------

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | 6191574110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yokem | 10/15/2025 | $1110555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More<br>Than<br>10%<br>Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,928.33) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $7,928.33 ; cure package requires a PCCD, LOE, Copy of Refund Check, and proof delivery or a Valid COC. TILA 130b Cure Required. The exception is tied to the missing Initial LE Issued within 3 business days of the application date of 9/12/2025 (per compliance report in file) , as the earliest available LE is dated 9/19/2025. Please provide the initial LE (dated 09/12/25 per compliance report in file) issued within 3 business days of the application date of 09/12/2025. Additional testing will be completed, once the initial LE is provided. |  |  | Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | 6191574110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yokem | 10/15/2025 | $1110555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3515 | Compliance | Initial<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. According to Mavent report, initial Loan application date is 09/12/2025 and Initial LE is dated 09/12/2025. Earliest LE provided in file is dated 09/19/2025 which exceeds the timing regulation. Please provide the initial LE issued within 3 business days of the application date of 9/12/2025 Additional testing will be completed, once the initial LE is provided. |  |  | Lender provided Initial LE. Condition cleared.; Lender provided Initial LE. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | 6191574110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yokem | 10/15/2025 | $1110555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. According to Mavent report, initial Loan application date is 9/12/2025. Homeownership counseling organization disclosure is dated 9/19/2025 which exceeds the timing regulation. Please send Homeownership counseling organization disclosure within 3 days of application. | RESPA Homeownership Counseling Organizations | 11/18/2025 | Resolved as we have received the timely disclosure. ; Material | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | 6191574110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yokem | 10/15/2025 | $1110555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided within<br>10% Tolerance |  | Invalid — provided in the original bookmark page 502-503 | 11/13/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | 6191574110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yokem | 10/15/2025 | $1110555.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.69% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 14.54 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.16% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.16% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | 6191574325 |  | PennyMac<br>Loan<br>Services,<br>LLC | Thallam | 10/09/2025 | $960000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Rescinded | FPRO1137 | Property | The<br>appraiser<br>was not<br>licensed<br>(Primary<br>Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Invalid — Appraisers License was in effect and did not expire — 2/28/26 expiration date | 11/25/2025 | Audit reviewed Lender's response and has determined the appraiser's license was active at the time the appraisal was completed. Condition rescinded.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | 6191574325 |  | PennyMac<br>Loan<br>Services,<br>LLC | Thallam | 10/09/2025 | $960000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid per the UCDP's provided — LCA 2.5, CU score 1 | 11/13/2025 | Third party valuation product provided within tolerance.; BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 6.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | 6191574325 |  | PennyMac<br>Loan<br>Services,<br>LLC | Thallam | 10/09/2025 | $960000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 6.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | 6191585874 |  | PennyMac<br>Loan<br>Services,<br>LLC | Parat | 10/15/2025 | $1204000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage<br>is Less<br>than<br>Subject<br>Lien | Title Coverage Amount of $1200000 is Less than Total Amount of Subject Lien $1204000 Provide Title with Coverage Amount of Subject Lien $1,204,000 | Title policy | 01/22/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared.; Title Coverage Amount of $1204000 is equal to or greater than Total Amount of Subject Lien $1204000; Material | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | 6191585874 |  | PennyMac<br>Loan<br>Services,<br>LLC | Parat | 10/15/2025 | $1204000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $1,050.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1050; 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 $1050 is due to increase from $0 to $1050 for the survey fee that was added to CD 10/14/2025. A COC is required to determine if this was a valid change. | PCCD | 11/25/2025 | Lender provided LOE and PCCD correcting Survey Fee to section H. Condition cleared.; Lender provided LOE and PCCD correcting Survey Fee to section H. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | 6191585874 |  | PennyMac<br>Loan<br>Services,<br>LLC | Parat | 10/15/2025 | $1204000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid per the UCDP's provided — CU score 1.2, LCA 1 | 11/13/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | 6191585874 |  | PennyMac<br>Loan<br>Services,<br>LLC | Parat | 10/15/2025 | $1204000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 749 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 19.19% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | 6191573847 |  | PennyMac<br>Loan<br>Services,<br>LLC | Puketza | 10/01/2025 | $1200000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1145 | Credit | Title<br>Document<br>Missing | Title Document is missing Provide Title Document | Please review the uploaded doc | 01/12/2026 | Lender provided the title for the subject property. Condition cleared.; Lender provided the title for the subject property. Condition cleared. ; Lender provided the title for the subject property. Condition cleared. ; Title Document is fully Present; Title Document is missing Provide Title Document | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | 6191573847 |  | PennyMac<br>Loan<br>Services,<br>LLC | Puketza | 10/01/2025 | $1200000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1253 | Credit | Missing<br>Property<br>Tax Cert | Missing Property Tax Cert Provide Property Tax Cert | already provided | 11/18/2025 | Property Tax Cert Provided; Resolved as we have received the tax cert from lender. ; Missing Property Tax Cert Provide Property Tax Cert | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | 6191573847 |  | PennyMac<br>Loan<br>Services,<br>LLC | Puketza | 10/01/2025 | $1200000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/01/2025 | Appraisal Delivery | 12/08/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/01/2025 | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | 6191573847 |  | PennyMac<br>Loan<br>Services,<br>LLC | Puketza | 10/01/2025 | $1200000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1467 | Credit | Asset 1<br>Missing | Asset 1 Missing. Lender to provide Merrill money market acct #7133 amt $453,564.34 | already provided | 11/18/2025 | Cleared as we have received the missing assets. ; Asset 1 Provided; Asset 1 Missing. Lender to provide Merrill money market acct #7133 amt $453,564.34 | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | 6191573847 |  | PennyMac<br>Loan<br>Services,<br>LLC | Puketza | 10/01/2025 | $1200000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid — CU Score 1.8, LCA 1.5 per the UCDP already provided | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | 6191573847 |  | PennyMac<br>Loan<br>Services,<br>LLC | Puketza | 10/01/2025 | $1200000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | 6191602473 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kampmann | 10/10/2025 | $1100800.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation | The last uploaded provided clearly shows that the appraisal was mailed out on 9/30 which is the date of the document ; Note — these letters have never been rejected in past trades ; This is not a LOE — this is the same mail out letter that we use on all six series loans and have provided this and evidence of mailing the appraisal multiple times and have not been rejected for it. ; Letter | 12/12/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Audit reviewed Lender's response. The letter provided is not dated and cannot be used to verify the date the appraisal was provided to the Borrower. Please provide documentation that reflects the date the appraisal was provided to the Borrower. Condition retained.; Audit reviewed Lender's response. The mail out letter is not dated. The piece that is missing is the evidence of mailing reflecting the date the appraisal was provided to the Borrower to verify the Borrower received the appraisal 3 days prior to consummation. The Notice of Right to Receive copy of Appraisal, Borrower chose to receive appraisal at least 3 days prior to consummation. Please provide verification of Borrower's receipt of appraisal at least 3 days prior to consummation. Condition retained. ; Lender provided a LOE to the Borrower; however, it is not dated. Please provide verification of the date the Borrower received the appraisal. Condition retained.; Material | 12/15/2025 | Borrower has stable job time — Borrower has 2.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | 6191602473 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kampmann | 10/10/2025 | $1100800.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 1230 of the Original Submission bookmarks ; HVE | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Borrower has stable job time — Borrower has 2.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | 6191602473 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kampmann | 10/10/2025 | $1100800.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 2.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.22% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | 6691575261 |  | Straight<br>Deal<br>Mortgage | Wen | 10/01/2025 | $1040000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE0382 | Credit | Assets do<br>not meet<br>guideline<br>requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | It would be much more helpful and time saving if you would ask for all of the items required in the first exception and not in the rejection reason. All of those statements were provided in the original file submission; Per AUS — Funds to close — $238,172.24 — Reserves required to be verified — $0.00 | 12/03/2025 | Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Funds are found to meet guidelines.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. ; Lender provided the EXTrade accounts ending in 9210; however, did not provide the Discover, Vanguard, Empower, BOA, Chase, Charles Schwab or the Fidelity statements reflected on the 1003 and AUS. The AUS reflects a total verified asset balance of $433,968.78. Please provide asset documentation used in qualification that total $433,968.78. Condition retained.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. ; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The verified assets are insufficient. The loan file contains two Etrade accounts with aggregate balance In the amount of $27,347.10. Verify Lender AUS submitted assets $433,968.78 covering a two-month period of which $279,351.24 is needed for closing costs plus $24,522.51 for reserves. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | 6691575261 |  | Straight<br>Deal<br>Mortgage | Wen | 10/01/2025 | $1040000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE9995 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $24522.51. Audited Reserves of $0 are less than Guideline Required Reserves of $24,522.51. | It would be much more helpful and time saving if you would ask for all of the items required in the first exception and not in the rejection reason. All of those statements were provided in the original file submission; Invalid — Per AUS Submission 10 — no reserves are required to be verified. | 12/03/2025 | Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Audited Reserves of $194617.54 are equal to or greater than AUS Required Reserves of $24522.51. Lender provided 2 months bank, retirement and investment statements for each account used in qualification. Condition cleared.; Lender provided the EXTrade accounts ending in 9210; however, did not provide the Discover, Vanguard, Empower, BOA, Chase, Charles Schwab or the Fidelity statements reflected on the 1003 and AUS. The AUS reflects a total verified asset balance of $433,968.78. Please provide asset documentation used in qualification that total $433,968.78. Condition retained.; Audited Reserves of $ are less than Guideline Required Reserves of $24522.51. Audited Reserves of $0 are less than Guideline Required Reserves of $24,522.51. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | 6691575261 |  | Straight<br>Deal<br>Mortgage | Wen | 10/01/2025 | $1040000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value for the following;<br> ULI RVDPPPGHCGZ40J4VQ731669157526157<br> NMLS 244388<br> Total Loan Costs $10,553.42 | 11/18/2025 | Resolved as lender agrees with audit; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 244388 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 10553.42 vs Lender Total Loan Costs MISSING, AND Audit ULI is RVDPPPGHCGZ40J4VQ731669157526157<br> VS. Lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | 6691575261 |  | Straight<br>Deal<br>Mortgage | Wen | 10/01/2025 | $1040000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | 6691575261 |  | Straight<br>Deal<br>Mortgage | Wen | 10/01/2025 | $1040000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/27/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application 09/30/2025 | AfBD | 11/18/2025 | Resolved as we have received the missing ABD. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application 09/30/2025 | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 39.79% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 4.26 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | 6191573168 |  | Pennymac<br>Loan<br>Services,<br>LLC | Connors | 10/03/2025 | $984000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing YTD Paystub and Prior Year w2 to support $9561.12 monthly for B1 | 2024 W2; All of this was previously provided | 12/10/2025 | Lender provided 2024 W2 for Borrower 1 supporting income. Condition cleared.; Income and Employment Meet Guidelines; Lender provided the YTD pay stub and 2023 W2. Please provide the 2024 W2 to meet AUS requirements for the the W2 from the most recent calendar year. Condition retained.; Income and Employment Do Not Meet Guidelines Missing YTD Paystub and Prior Year w2 to support $9561.12 monthly for B1 | 12/11/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | 6191573168 |  | Pennymac<br>Loan<br>Services,<br>LLC | Connors | 10/03/2025 | $984000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not<br>Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements All Assets are missing. Verify Lender AUS submitted assets $485,550.95 covering a one-month period of which $267,124.14 is needed for closing costs plus $23,826.02 for subject property reserves and Balance paid monthly accounts. | Required funds to be verified $206,487.44 — Reserves to be verified $0.00 | 11/25/2025 | Lender provided asset documentation. Condition cleared.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements All Assets are missing. Verify Lender AUS submitted assets $485,550.95 covering a one-month period of which $267,124.14 is needed for closing costs plus $23,826.02 for subject property reserves and Balance paid monthly accounts. | 12/02/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | 6191573168 |  | Pennymac<br>Loan<br>Services,<br>LLC | Connors | 10/03/2025 | $984000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — Page 401 of the Original File Submission is the HVE | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | 6191573168 |  | Pennymac<br>Loan<br>Services,<br>LLC | Connors | 10/03/2025 | $984000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/03/2025 | Appraisal Delivery | 11/14/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/03/2025 | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | 6191573168 |  | Pennymac<br>Loan<br>Services,<br>LLC | Connors | 10/03/2025 | $984000.00 | MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.63% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | 6691567540 |  | Clear<br>Mortgage<br>Capital,<br>Inc. | Lewis | 10/06/2025 | $1188000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1347 | Credit | Borrower 2<br>3rd Party<br>VOE Prior to<br>Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Co borrower missing VOE | VOE; This appears to be cleared in mTrade. ; VOE | 01/12/2026 | Borrower 2 3rd Party VOE Prior to Close Was Provided. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); Audit reviewed Lender's response and has determined the LOE from Borrower 2 employer is not dated within 10 business days of the Note date. Please provide a VVOE for Borrower 2 dated within 10 business days of the Note date or after the Note date but prior to delivery to meet AUS and FNMA requirements. Condition retained.; Audit reviewed Lender's response and has determined the LOE from Borrower 2 employer is not dated within 10 business days of the Note date. Please provide a VVOE for Borrower 2 dated within 10 business days of the Note date or after the Note date but prior to delivery to meet AUS and FNMA requirements. Condition retained.; Borrower 2 3rd Party VOE Prior to Close Missing B2 VOE dated 09/19/2025 is not within 10 days of 10/06/2025 note date. Finding remains. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | 6691567540 |  | Clear<br>Mortgage<br>Capital,<br>Inc. | Lewis | 10/06/2025 | $1188000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE0363 | Credit | Condominium<br>Project is<br>Non-<br>Warrantable | When the subject Property Type is a (Condominium) and the Loan Program is Agency (DU) the Condominium Project: (No), in all circumstances, must be warrantable. | The subject is a detached condo. As indicated on DU cert item #28, a project review is not required. Therefore, project warrantability is not required. Agencies do not require project reviews on detached condos | 12/15/2025 | ; Additional documentation received; exception resolved. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | 6691567540 |  | Clear<br>Mortgage<br>Capital,<br>Inc. | Lewis | 10/06/2025 | $1188000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid | 11/13/2025 | Third party valuation product provided within tolerance.; BAML approved PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | 6691567540 |  | Clear<br>Mortgage<br>Capital,<br>Inc. | Lewis | 10/06/2025 | $1188000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/17/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | 6691567540 |  | Clear<br>Mortgage<br>Capital,<br>Inc. | Lewis | 10/06/2025 | $1188000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree | 11/13/2025 | Lender agreed with audit values. Condition cleared.<br> ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 1019555 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 3709.7 vs Lender Total Loan Costs MISSING, AUdit ULI RVDPPPGHCGZ40J4VQ731669156754037<br> VS. Lenders is missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.87% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.87% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 2.61 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | 6691546585 |  | NEXA<br>Mortgage,<br>LLC | Wyss | 10/03/2025 | $1040000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $25.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $25.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $25.00 is due to increase from $925.00 to $950.00 for the appraisal fee from LE 09/03/2025 to LE 09/12/2025. A COC is required to determine if this is a valid change. | cure | 12/04/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification that cure was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification that cure was applied. Cured post close, loan will be graded a B. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | 6691546585 |  | NEXA<br>Mortgage,<br>LLC | Wyss | 10/03/2025 | $1040000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's values for the following;<br> ULI — RVDPPPGHCGZ40J4VQ731669154658546<br> NMLS 1192274<br> Total Loan Costs $5,370.78 | 11/18/2025 | Resolved as lender agrees with audit. ; Resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI RVDPPPGHCGZ40J4VQ731669154658546<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.<br> ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 1192274 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 5370.78 vs Lender Total Loan Costs MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as lender agrees with audit. ; Material Finding; HMDA discrepancy noted: Audit ULI RVDPPPGHCGZ40J4VQ731669154658546<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.<br> ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 1192274 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 5370.78 vs Lender Total Loan Costs MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | 6691546585 |  | NEXA<br>Mortgage,<br>LLC | Wyss | 10/03/2025 | $1040000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Cleared as we lender agrees with audit. ; HMDA data received, additional discrepancy finding added.<br> ; HMDA provided. Condition cleared.; HMDA Data Tape Provided. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | 6691546585 |  | NEXA<br>Mortgage,<br>LLC | Wyss | 10/03/2025 | $1040000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice Nexa Mortgage has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 08/29/2025. | AfBD | 11/18/2025 | Received evidence of no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Per the Privacy Notice Nexa Mortgage has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 08/29/2025. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | 6691546585 |  | NEXA<br>Mortgage,<br>LLC | Wyss | 10/03/2025 | $1040000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance |  | Invalid — CU Score 1, LCA 1 per the UCDP's already provided | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 15.76 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | 6691473805 |  | First<br>National<br>Bank<br>Colorado | Chism<br>II | 09/24/2025 | $1626000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1186 | Credit | Audited DTI<br>Exceeds AUS<br>DTI | Audited DTI of 43.26% exceeds AUS DTI of 38.78% Audit verified less monthly income. Lender did not include loss from 2024 Schedule C for Blacktop Heroes business in the amount of -$3,899.08.. AUS resubmission required. | Please see attached | 12/03/2025 | Lender provided updated 1003, 1008 and AUS approving DTI of 42.63%. Audit DTI of 43.26% is within tolerance of the updated AUS approved DTI of 42.63%. Condition cleared.<br> ; Audited DTI of 43.26% is less than or equal to AUS DTI of 42.63% Lender provided updated 1003, 1008 and AUS approving DTI of 42.63%. Audit DTI of 43.26% is within tolerance of the updated AUS approved DTI of 42.63%. Condition cleared.; Audited DTI of 43.26% exceeds AUS DTI of 38.78% Audit verified less monthly income. Lender did not include loss from 2024 Schedule C for Blacktop Heroes business in the amount of -$3,899.08.. AUS resubmission required. | 12/04/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | 6691473805 |  | First<br>National<br>Bank<br>Colorado | Chism<br>II | 09/24/2025 | $1626000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA provided. Condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | 6691473805 |  | First<br>National<br>Bank<br>Colorado | Chism<br>II | 09/24/2025 | $1626000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | HMDA discrepancy noted: Audit ULI RVDPPPGHCGZ40J4VQ731669147380539<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | We agree with audit's ULI value — RVDPPPGHCGZ40J4VQ731669147380539<br> We agree with audit's NMLS value — 2113127 | 11/14/2025 | Lender agreed with audit values. Condition cleared.; Material Finding; The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 2113127 vs Lender NMLS ID — MISSING. AND Audit Total Loan Costs 14446.3 vs Lender Total Loan Costs MISSING, AND Audit ULI RVDPPPGHCGZ40J4VQ731669147380539 Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Borrower has stable job time — Borrower has 8.74 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.9% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 6191608423 |  | Pennymac<br>loan<br>Services,<br>LLC | Dolce | 10/15/2025 | $1995000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1964 | Credit | Missing<br>income<br>documentation | Lender to provide business search verifying Texas Health Care, P.L.L.C is currently active, letter in file is dated 12/22/2021. | Regarding Texas Health Care, borrower owns less than 25%. Please see VOE attached. ; Asset WS | 12/29/2025 | Resolved as we have received evidence of ownership of the company from lender. ; Lender provided an asset worksheet; however, did not provide documentation to verify the Borrower's business Texas Health Care is an active business. Condition retained. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 6191608423 |  | Pennymac<br>loan<br>Services,<br>LLC | Dolce | 10/15/2025 | $1995000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification of<br>taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Lender to provide evidence property located at 1420 Whispering Dell Court is not subject to an HOA fee. | No HOA LOE; HOA | 12/12/2025 | ; Additional documentation received; exception resolved.; Lender provided HOA fees for subject property. Please provide HOA fees for Borrower's primary residence with address of 1420 Whispering Dell Court. Condition retained.; Lender provided HOA fees for subject property. Please provide HOA fees for Borrower's primary residence with address of 1420 Whispering Dell Court. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 6191608423 |  | Pennymac<br>loan<br>Services,<br>LLC | Dolce | 10/15/2025 | $1995000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FVAL8506 | Property | Missing<br>Private Road<br>Maintenance<br>Agreement | The subject property is located on a private road, a road maintenance agreement is reported on the Title Commitment, provide a copy of the Private Road Maintenance Agreement. | Road Maintenance | 12/05/2025 | Lender provided Road Maintenance Agreement. Condition cleared. | 12/09/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 6191608423 |  | Pennymac<br>loan<br>Services,<br>LLC | Dolce | 10/15/2025 | $1995000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does<br>Not Meet<br>Guideline<br>Requirements | Asset Record 1 Does Not Meet G/L Requirements. The borrower's 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. | Per the attached Asset Worksheet, required funds including reserves is $1,139,962.40...verified liquid funds are $1,350,803.39. In this case the 401K is not being used so terms of withdrawal should not be required. | 11/28/2025 | Audit reviewed Lender's response and has determined the 401k is not required for qualification; therefore, no additional documentation is required. Condition cleared.; Asset Record 1 Meets G/L Requirements; Asset Record 1 Does Not Meet G/L Requirements. The borrower's 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. ; Asset Record 1 Does Not Meet G/L Requirements. The borrower's 401k account is being used for reserves, balance reduced by outstanding loan amount, terms of allowable withdrawals was not found in the file, Lender to provide. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 6191608423 |  | Pennymac<br>loan<br>Services,<br>LLC | Dolce | 10/15/2025 | $1995000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 6191608423 |  | Pennymac<br>loan<br>Services,<br>LLC | Dolce | 10/15/2025 | $1995000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance |  |  |  | Third party valuation product provided within tolerance. | 11/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.51% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 10.8 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.51% is less than Guideline CLTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | 8213463801 |  | Secure<br>Financial<br>Services,<br>Inc. D/B/A<br>Secure<br>Mortgage<br>Company,<br>A Texas<br>Corporation | Denton | 09/26/2025 | $1264000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of 40.73% exceeds AUS DTI of 36.85% DTI calculated is higher than DTI provided. Per the WVOE in file, total income is 21633.33. | Invalid | 11/25/2025 | Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 29.81% is less than or equal to AUS DTI of 36.85% Lender provided WVOE supporting total income calculated by Lender. The WVOE reflects Borrower has base, Bonus and Other income. Audit re-calculated DTI of 29.81%, is within tolerance of the AUS approved DTI of 36.85%. Condition cleared.; Audited DTI of 40.73% exceeds AUS DTI of 36.85% DTI calculated is higher than DTI provided. Per the WVOE in file, total income is 21633.33. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | 8213463801 |  | Secure<br>Financial<br>Services,<br>Inc. D/B/A<br>Secure<br>Mortgage<br>Company,<br>A Texas<br>Corporation | Denton | 09/26/2025 | $1264000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 413 of the original submission bookmarks | 11/17/2025 | Third party valuation product provided within tolerance.; BAML approves usage of PNMC GL waterfall. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | 8213463801 |  | Secure<br>Financial<br>Services,<br>Inc. D/B/A<br>Secure<br>Mortgage<br>Company,<br>A Texas<br>Corporation | Denton | 09/26/2025 | $1264000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | HMDA | 11/17/2025 | Resolved as we have received the ULI from the lender. ; Resolved as we have received the ULI from the lender. ; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value.<br> ; Resolved as we have received the ULI from the lender. ; Material Finding; The following HMDA Discrepancy(s) have been noted: ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value.<br> ; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI number is missing. Lender may clear finding by providing documentation to support their value. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | 8213463801 |  | Secure<br>Financial<br>Services,<br>Inc. D/B/A<br>Secure<br>Mortgage<br>Company,<br>A Texas<br>Corporation | Denton | 09/26/2025 | $1264000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | 8213463801 |  | Secure<br>Financial<br>Services,<br>Inc. D/B/A<br>Secure<br>Mortgage<br>Company,<br>A Texas<br>Corporation | Denton | 09/26/2025 | $1264000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage<br>is LESS<br>than the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($672000) is insufficient, not meeting the required coverage amount of ($1011200). | RCE | 11/17/2025 | Cleared as we have received the RCE.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | 8213463801 |  | Secure<br>Financial<br>Services,<br>Inc. D/B/A<br>Secure<br>Mortgage<br>Company,<br>A Texas<br>Corporation | Denton | 09/26/2025 | $1264000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum 3 days prior to consummation. | Appraisal Delivery | 11/18/2025 | Cleared as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum 3 days prior to consummation. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | 6191571666 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pezeshkian | 09/24/2025 | $1348000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE1193 | Credit | Audited<br>DTI<br>Exceeds<br>Guideline<br>DTI | Audited DTI of 48.63% exceeds Guideline DTI of 45% DTI calculated matches the 1008 but does not match the AUS. DTI is higher than guidelines. |  |  | ; AUS shows approved DTI of 49%, calculated DTI 48.63%. Condition cleared. | 01/28/2026 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | 6191571666 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pezeshkian | 09/24/2025 | $1348000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU Score 1, LCA 2.5 per the UCDP's already provided | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | 6191571666 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pezeshkian | 09/24/2025 | $1348000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($7,670.12) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,737.52). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $5,067.40; 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 $5,067.40 is due to decrease from $12,737.52 to $7,670.10 from CD 09/17/2025 to FCD 09/24/2025. A COC is required to determine if this is a valid change. | COC's, CD | 11/18/2025 | Condition resolved as we have received the valid COC for the credit decrease. ; Condition resolved as we have received the valid COC for the credit decrease. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | 6191571666 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pezeshkian | 09/24/2025 | $1348000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We disagree with audit's total loan costs.<br> PCCD reflects Total Loan Costs 16442.82 | 11/18/2025 | Resolved as we have received final total loan costs from lender. ; Resolved as we have received final total loan costs from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 16675.32 vs Lender Total Loan Costs 16442.82. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Resolved as we have received final total loan costs from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 16675.32 vs Lender Total Loan Costs 16442.82. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | 6191571666 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pezeshkian | 09/24/2025 | $1348000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | 6191571666 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pezeshkian | 09/24/2025 | $1348000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage is<br>LESS than<br>the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($866700) is insufficient, not meeting the required coverage amount of ($1078400). | RCE | 11/18/2025 | Resolved as we have received the RCE from lender. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/20/2025 | Borrower has stable job time — Borrower has 3.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | 6191545310 |  | PennyMac<br>Loan<br>Services,<br>LLC | Applebaum | 09/29/2025 | $1556250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/28/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>Test | TILA 130b Cure Required. Refund in the amount of $120.00; 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 $120.00 is due to increase from $1025.00 to $1145.00 for the Appraisal Fee on LE 9/8/25. COC dated 09/08/2025 references the update the appraisal fee but does not provide a valid reason. 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 $120.00.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 | 12/16/2025 | Cured post close, this will remain a non material B grade, received lenders cure package for fee tolerance fail. ; Cured post close, this will remain a non material B grade, received lenders cure package for fee tolerance fail. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 18.6 years on job.<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | 6191545310 |  | PennyMac<br>Loan<br>Services,<br>LLC | Applebaum | 09/29/2025 | $1556250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/18/2025 | Rescinded | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | Resolved as cure was made within 60 days of discovery. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  | Rescinded as cure is valid within 60 days of discovery. | 12/18/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | 6191545310 |  | PennyMac<br>Loan<br>Services,<br>LLC | Applebaum | 09/29/2025 | $1556250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/18/2025 | Rescinded | finding-<br>3622 | Compliance | TRID Post-<br>Consummation<br>Reason for<br>Redisclosure<br>Validation Test | This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | Rescinded as post close cure is valid. | 12/18/2025 | C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | 6191545310 |  | PennyMac<br>Loan<br>Services,<br>LLC | Applebaum | 09/29/2025 | $1556250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/07/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 18.6 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | 6191545310 |  | PennyMac<br>Loan<br>Services,<br>LLC | Applebaum | 09/29/2025 | $1556250.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/07/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared.<br> ; HMDA Data Tape Provided. | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 18.6 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | 6191605619 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Hollwood | 10/09/2025 | $1640000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/29/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($21,418.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($22,140.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Lender credits incorrectly disclosed lender credit for fees over the legal limit however no fees exceeded any threshold. 10/7 change in DTI which caused a decrease in lender credits. The original 9/29 lock as been provided with the update in pricing due to the change in DTI; No fees exceeded any threshold so I do not know why $2,640 was listed as fees over the legal limit. Total credit should have been $21,418 with reduction of $722 due to the increase in DTI; Lender Credits | 11/26/2025 | Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated 10/10/2025. Condition cleared.; Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated 10/10/2025. Condition cleared.; Lender provided valid COC for decrease in Lender credits which as due to pricing change. The Lender also provided final settlement statement verifying the final figures and Lender credit reflected on the PCCD dated 10/10/2025. Condition cleared.; Audit reviewed Lender's response and has determined the credit for increase in Closing Costs above legal limit is for the Lender Credit's reflected on the final CD of $18,778.00 vs what should have been $21,418.00. Audit is unable to determine if the $2,640.00 was refunded to the Borrower. The final settlement statement is not in the loan file to verify correct fees. In addition, the COC form provided by Lender is dated post-closing. Settlement fees cannot decrease post-closing. Please provide final settlement statement verifying final fees and Lender credits to the Borrower. Condition retained.; TILA 130b Cure Required. Refund in the amount of $722.00; 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 $722.00 is due to decrease in Lender Credit from $22,140.00 on LE issued 10/02/25 to $18,778.00 on the final CD issued 10/09/2025 without a valid COC. PCCD in file date 10/10/2025 included a cure of $2,640 which has been applied to the total tolerance violation leaving a remaining cure due of $722.00 or a COC. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | 6191605619 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Hollwood | 10/09/2025 | $1640000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance |  | Invalid — See page 607 of the Original submission bookmarks<br> ; HVE | 11/17/2025 | BAML approves PNMC TPV GL waterfall — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | 6191605619 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Hollwood | 10/09/2025 | $1640000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | 6191605619 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Hollwood | 10/09/2025 | $1640000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree | 11/13/2025 | Lender agreed with audit values. Condition cleared.<br> ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 22709.7 vs Lender Total Loan Costs 22634.7. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 3.83 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | 6191570915 |  | PennyMac<br>Loan<br>Services,<br>LLC | Klaassen | 10/09/2025 | $1740000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM1221 | Credit | The Deed of<br>Trust is<br>Incomplete | The Deed of Trust is Incomplete The borrower signed as Meena Klassen, however the mortgage is vested as Meena Sharma Klassen, Trustee of the Djan Living Trust dated July 24, 2020. Therefore, the borrower should have also signed as a trustee for the trust. | Re-Executed SI; Recorded SI | 01/13/2026 | Lender provided the Deed of Trust reflecting Borrower signing as a Trustee of the Living Trust. Condition Cleared. ; The Deed of Trust is Present and Complete; Lender provided the Deed of Trust; however, it does not reflect Borrower signing as a Trustee of the Living Trust. Condition retained. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | 6191570915 |  | PennyMac<br>Loan<br>Services,<br>LLC | Klaassen | 10/09/2025 | $1740000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM1208 | Credit | The Note<br>is<br>Incomplete | The Note is Incomplete The subject property is owned by Meena Sharma Klaassen, Trustee of the Djan Living Trust dated July 24, 2020. However, the note was executed only by Meena Sharma Klassen, individually, and not as trustee for the Djan Living Trust. | Note | 12/02/2025 | Lender provided Note reflecting Borrower signed as a Trustee. Condition cleared.; The Note is Present | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | 6191570915 |  | PennyMac<br>Loan<br>Services,<br>LLC | Klaassen | 10/09/2025 | $1740000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | Missing verification of $280 HOA dues (or other fee type) for REO property at 1659 Duncannon Avenue used in qualification by the lender. The Final 1003 / AUS indicates a $280 taxes/insurance/association dues fee of $280 that is unverified by documentation obtained for this REO property. | The $280 fee was added in error. Please see revised 1008, 1003 and AUS | 11/21/2025 | Lender provided updated 1003, 1008 and AUS removing the additional $280.00 on property 1659 Duncannon Avenue. Audit confirmed taxes and insurance on property match updated documentation. The schedule E supports property does not have HOA fees. Condition cleared. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | 6191570915 |  | PennyMac<br>Loan<br>Services,<br>LLC | Klaassen | 10/09/2025 | $1740000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 19.74 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | 6191573478 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kea | 10/15/2025 | $920000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of 51.89% exceeds AUS DTI of 48.65% Per the credit report, the liabilities are 1126.00 which is more than the AUS on page 17, 629.00. | Supporting docs | 12/10/2025 | Lender provided documentation verifying account paid off and paid down prior to closing supporting the debt obligations Lender used to calculate the DTI. Audit re-calculated DTI of 48.92% is within tolerance of the AUS approved DTI of 48.65%. Condition cleared.; Audited DTI of 48.92% is less than or equal to AUS DTI of 48.65% Lender provided documentation verifying account paid off and paid down prior to closing supporting the debt obligations Lender used to calculate the DTI. Audit re-calculated DTI of 48.92% is within tolerance of the AUS approved DTI of 48.65%. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.62 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | 6191573478 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kea | 10/15/2025 | $920000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance |  | Invalid — CU score 2.2 — LCA 1 | 11/13/2025 | Third party valuation product provided within tolerance.; BAML approves PNMC GL Waterfall for Valuation — condition cleared; Audit reviewed Lender's response and has determined a CDA is a BAML overlay requirement. Please provide CDA to meet overlay requirements. Condition retained. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.62 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | 6191573478 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kea | 10/15/2025 | $920000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 734 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.62 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM8804 | Credit | Missing<br>Loan<br>program<br>disclosure | The Designation of Homestead and Affidavit of NonHomestead document that is to be recorded with the county was completed incorrectly; the Affiant's Homestead Property (legal description or street address) was incorrectly filled in with the subject property address of 13805 Commodores Pointe (which is a second home), instead of the borrower's primary residence at 17118 Chapel Park Way. | Homestead Affidavit | 12/18/2025 | Lender provided corrected Affidavit of Occupancy. Condition cleared.; Material | 12/22/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Appraisal Delivery | 11/19/2025 | Cleared as we have received appraisal delivery. ; Evidence of appraisal delivery provided.; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 09/04/2025 or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure - | 11/19/2025 | Required Affiliated Business Disclosure Documentation Provided; Cleared as we have received the missing document. ; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE0387 | Credit | Borrower 2<br>Photo<br>Identification<br>not provided | Borrower 2 Photo Identification not provided. Missing verification of B2 identity via photo identification or Patriot Act Information Form completed based on the photo identification provided by the borrower. | photo identification | 11/19/2025 | Cleared as we have received the missing document. ; Photo Identification provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE0386 | Credit | Borrower 1<br>Photo<br>Identification<br>not provided | Borrower 1 Photo Identification not provided. Missing verification of B1 identity via photo identification or Patriot Act Information Form completed based on the photo identification provided by the borrower. | photo identification | 11/19/2025 | Cleared as we have received the missing document. ; Photo Identification provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud Report<br>not Provided | Missing Third Party Fraud Report PennyMac guidelines require a Fraud Report (e.g. DataVerify or FraudGuard), with any potential findings satisfactorily cleared prior to closing. |  |  | Cleared as we have received the missing document. ; Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM3075 | Credit | Missing US<br>Patriot Act<br>Disclosure or<br>ID | Missing US Patriot Act Disclosure or ID. Missing Patriot Act Disclosure and Photo Identification for B1 and B2. | ID | 11/18/2025 | Cleared as we have received the missing document. ; US Patriot Act Disclosure or ID provided.; Material | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Cleared as we have received the ULI. ; HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | 8213528554 |  | Stone<br>Mortgage<br>Corporation | Saunders | 10/01/2025 | $1050000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 11/19/2025 | Resolved as we have received ULI from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300P6HM53I3562B04821352855418 vs Lender ULI RVDPPPGHCGZ40J4VQ731821352855418. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Resolved as we have received ULI from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300P6HM53I3562B04821352855418 vs Lender ULI RVDPPPGHCGZ40J4VQ731821352855418. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 48.28% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 48.28% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 20.04 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 796 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | 8213568042 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Bhatia | 10/01/2025 | $1304000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing mortgage statement for borrower's second home at 5452 Strong Stead Drrive to verify it includes escrows for taxes and insurance. | Statement | 12/02/2025 | Lender provided mortgage statement for property 5452 Strong Stead verifying escrows include both taxes and insurance. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Missing mortgage statement for borrower's second home at 5452 Strong Stead Drrive to verify it includes escrows for taxes and insurance. | 12/04/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | 8213568042 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Bhatia | 10/01/2025 | $1304000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Appraisal Delivery | 12/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | 12/04/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | 8213568042 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Bhatia | 10/01/2025 | $1304000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU score 2.4, LCA 2 per the UCDP's already provided | 11/17/2025 | BAML approves usage of PNMC GL waterfall.<br> ; Third party valuation product provided within tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | 8213568042 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Bhatia | 10/01/2025 | $1304000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 11/17/2025 | Condition cleared as we have received the ULI. ; Condition cleared as we have received the ULI. ; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Lender may clear finding by providing documentation to support their value.<br> ; Condition cleared as we have received the ULI. ; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Lender may clear finding by providing documentation to support their value. | 11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | 8213568042 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Bhatia | 10/01/2025 | $1304000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/18/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | 8213568042 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Bhatia | 10/01/2025 | $1304000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report not<br>Provided | Missing Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared.; Third Party Fraud Report is provided | 11/11/2025 | Borrower has stable job time — Borrower has 23.56 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.63% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.63% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.09% is less than Guideline DTI of 50%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | 6191572837 |  | PennyMac<br>Loan<br>Services,<br>LLC | Meza | 10/11/2025 | $1220500.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Appraisal delivery | 12/08/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/09/2025 | Borrower has stable job time — Borrower has 17.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | 6191572837 |  | PennyMac<br>Loan<br>Services,<br>LLC | Meza | 10/11/2025 | $1220500.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 10/30/2025 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>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. Provide evidence the ICD dated 10/07/2025 was received a minimum of 3 business days prior to consummation 10/11/2025. | Ryan received 10/7 = 4 business days prior to consummation<br> Emily received 10/8 = 3 business days prior to consummation | 11/17/2025 | Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared.; Lender provided verification of Borrower's receipt of initial CD greater than 3 days prior to consummation. Condition cleared. | 11/18/2025 | Borrower has stable job time — Borrower has 17.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | 6191572837 |  | PennyMac<br>Loan<br>Services,<br>LLC | Meza | 10/11/2025 | $1220500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 17.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 54.73% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 54.73% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | 6191610986 |  | PennyMac<br>Loan<br>Services,<br>LLC | Celtik | 10/16/2025 | $1276000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE8611 | Credit | Income/<br>Employment<br>General | The borrower's base income reported on 2024 and 2023 paystubs reflect a base salary that supports income used, 2025 paystub found in the file indicates the borrower's base income significantly decreased and the majority of income received changed to a variable amount. A letter from the employer or additional information was not found in the file addressing the borrower's pay structure change. | We provided 2023 and 2024 paystubs. Advise what page on the Submission package the 2025 paystub can be located. | 11/25/2025 | Audit reviewed Lender's response and has determined the gross income on the 2025 YTD pay stub and the WVOE supports the income calculated by the Lender. Condition cleared. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | 6191610986 |  | PennyMac<br>Loan<br>Services,<br>LLC | Celtik | 10/16/2025 | $1276000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — See page 752 of the Original Submission Bookmarks | 11/17/2025 | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | 6191610986 |  | PennyMac<br>Loan<br>Services,<br>LLC | Celtik | 10/16/2025 | $1276000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | 6191610986 |  | PennyMac<br>Loan<br>Services,<br>LLC | Celtik | 10/16/2025 | $1276000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300226DHCWS6LXW03MTI2508716268<br> vs Lender value RVDPPPGHCGZ40J4VQ731619154106473<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | ULI | 11/14/2025 | Lender provided verification of valid ULI of RVDPPPGHCGZ40J4VQ731619161098621. Condition cleared.; Material Finding | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | 6191588062 |  | PennyMac<br>Loan<br>Services,<br>LLC | Peterson | 10/16/2025 | $1125000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Rescinded | FCRE1187 | Credit | Audited<br>LTV<br>Exceeds<br>AUS LTV | Audited LTV of 64.77% exceeds AUS CLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited LTV of 64.77% is less than or equal to AUS CLTV of 64.77% Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | 6191588062 |  | PennyMac<br>Loan<br>Services,<br>LLC | Peterson | 10/16/2025 | $1125000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Rescinded | FCRE1189 | Credit | Audited<br>HCLTV<br>Exceeds<br>AUS<br>HCLTV | Audited HCLTV of 64.77% exceeds AUS HCLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited HCLTV of 64.77% is less than or equal to AUS HCLTV of 64.77% Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | 6191588062 |  | PennyMac<br>Loan<br>Services,<br>LLC | Peterson | 10/16/2025 | $1125000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Rescinded | FCRE1188 | Credit | Audited<br>CLTV<br>Exceeds<br>AUS CLTV | Audited CLTV of 64.77% exceeds AUS CLTV of 64.76% | Invalid — FHLMC LP has the correct loan amount and appraised value and is coming back with 64.76% | 11/25/2025 | Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded.; Audited CLTV of 64.77% is less than or equal to AUS CLTV of 64.77% Audit reviewed Lender's response. The LTV / CLTV is within tolerance. Condition rescinded. | 12/02/2025 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | 6191588062 |  | PennyMac<br>Loan<br>Services,<br>LLC | Peterson | 10/16/2025 | $1125000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 12/02/2025 | Borrower has stable job time — Borrower has 25.63 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.77% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.77% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | 6191588062 |  | PennyMac<br>Loan<br>Services,<br>LLC | Peterson | 10/16/2025 | $1125000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared.<br> ; HMDA data received, no discrepancies noted, condition cleared.<br> ; HMDA Data Tape Provided. | 11/14/2025 | Borrower has stable job time — Borrower has 25.63 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.77% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.77% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 787 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | 6691577267 |  | Stone<br>Bridge<br>Mortgage<br>Inc | Foran | 10/10/2025 | $1266000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 10/31/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $30.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $30. Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC; The Tolerance violation in the amount of $30 is due to increase in Appraisal Fee from $735 to $765 on CD 10/2/2025 with no corresponding COC. | cure | 12/04/2025 | Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD reflecting cure provided as a principal reduction and verification the principal reduction was applied. Cured post close, loan will be graded a B. | 12/10/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | 6691577267 |  | Stone<br>Bridge<br>Mortgage<br>Inc | Foran | 10/10/2025 | $1266000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — LCA 2.5, CU score 1 per the UCDP's already provided | 11/17/2025 | BAML approves usage of PNMC GL waterfall.<br> ; Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | 6691577267 |  | Stone<br>Bridge<br>Mortgage<br>Inc | Foran | 10/10/2025 | $1266000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA provided. Condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 11/17/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | 6691577267 |  | Stone<br>Bridge<br>Mortgage<br>Inc | Foran | 10/10/2025 | $1266000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's value for the following;<br> NMLS — 276890<br> ULI — RVDPPPGHCGZ40J4VQ731669157726753<br> Total loan costs — $6125.7 | 11/14/2025 | Lender agreed with audit values. Condition cleared.<br> ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Mortgage Loan Originator NMLS ID – 276890 vs Lender NMLS ID — MISSING. Audit Total Loan Costs 6125.7 vs Lender Total Loan Costs MISSING. Audit ULI RVDPPPGHCGZ40J4VQ731669157726753<br> VS. lenders missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/17/2025 | Qualifying DTI below max allowed. — Calculated DTI of 23.83% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 5.03 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.34% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.34% is less than Guideline CLTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | 7019828014 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Soto | 10/10/2025 | $1015150.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. Please see CU/LCA- meets guidelines | 01/06/2026 | Lender provided UCDP reflecting a CU score of 1.4; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. | 01/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 16.87 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | 7019828014 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Soto | 10/10/2025 | $1015150.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with audit's total loan costs -$5209.15 | 11/18/2025 | Cleared as lender agrees with audit. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 5209.15 vs Lender Total Loan Costs 4935.45. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/20/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 16.87 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | 7019828014 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Soto | 10/10/2025 | $1015150.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.19% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 761 is greater than Guideline minimum FICO of 680<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 57.19% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 16.87 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | 8213420470 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Boutelle | 10/08/2025 | $1002300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE1360 | Credit | Borrower 2<br>Paystubs<br>Missing | Borrower 2 Paystubs Missing Paystubs are not in file. | Borrower was on maternity leave during the loan transaction | 12/09/2025 | Lender provided email correspondence from short term insurance company and statement for bi-monthly payment for Borrower 2 for maternity leave reflecting Borrower 2 return to work date. The loan file contains email correspondence from Borrower's employer verifying Borrower is an active employee received 100% of her current rate of pay. Documentation provided and in file meets AUS and FNMA requirements. Condition cleared.; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) Lender provided email correspondence from short term insurance company and statement for bi-monthly payment for Borrower 2 for maternity leave reflecting Borrower 2 return to work date. The loan file contains email correspondence from Borrower's employer verifying Borrower is an active employee received 100% of her current rate of pay. Documentation provided and in file meets AUS and FNMA requirements. Condition cleared. | 12/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | 8213420470 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Boutelle | 10/08/2025 | $1002300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 11/25/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | 8213420470 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Boutelle | 10/08/2025 | $1002300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We create ULI for this client RVDPPPGHCGZ40J4VQ731821342047096. Please review | 11/24/2025 | Lender provided snippet of Ecompass verifying valid ULI of RVDPPPGHCGZ40J4VQ731821342047096. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI number missing. Lender may clear finding by providing documentation to support their value. | 11/25/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | 8213420470 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Boutelle | 10/08/2025 | $1002300.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 11/18/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.55% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.55% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | 8213607548 |  | Juniper<br>Financial,<br>LLC | Vidal | 10/07/2025 | $984889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/04/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The Privacy disclosure shows Juniper Financial has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 09/11/2025 | AfBD | 11/24/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Required Affiliated Business Disclosure Missing The Privacy disclosure shows Juniper Financial has affiliates. Provide the affiliated business disclosure dated within 3 business days of application 09/11/2025 | 11/25/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | 8213607548 |  | Juniper<br>Financial,<br>LLC | Vidal | 10/07/2025 | $984889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/21/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | 8213607548 |  | Juniper<br>Financial,<br>LLC | Vidal | 10/07/2025 | $984889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/14/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | RVDPPPGHCGZ40J4VQ731821360754807<br> we provided you an attachment to our system — We create the ULI's — please clear and stop rejecting for no valid reason; ULI | 11/20/2025 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821360754807. Condition cleared.; Remains active as we have not received anything from lender. ; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 11/21/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | 8213607548 |  | Juniper<br>Financial,<br>LLC | Vidal | 10/07/2025 | $984889.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product provided Within Tolerance. |  |  | BAML approved PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product provided Within Tolerance. | 11/18/2025 | Borrower has stable job time — Borrower has 8.77 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.25% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | 6191520445 |  | PennyMac<br>Loan<br>Services,<br>LLC | Levito | 10/17/2025 | $860000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/06/2025 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing documentation verifying the EMD $107,500.00 (Source and seasoning). | Previously provided | 11/24/2025 | Lender provided escrow letter from attorney for receipt of EMD and provided investment statement verifying transfer, with and source and seasoning of EMD. Condition cleared.; Asset Qualification Meets Guideline Requirements | 11/25/2025 | Borrower has stable job time — Borrower has 4.08 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 745 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | 6191520445 |  | PennyMac<br>Loan<br>Services,<br>LLC | Levito | 10/17/2025 | $860000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Borrower has stable job time — Borrower has 4.08 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 745 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | 6191569738 |  | PennyMac<br>Loan<br>Services,<br>LLC | Brown | 10/15/2025 | $1400000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | finding-<br>3719 | Compliance | TILA Post-<br>Consummation<br>Revised<br>Closing<br>Disclosure<br>Finance Charge<br>Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,720,824.23. The disclosed finance charge of $1,720,664.50 is not considered accurate because it is understated by more than $100. |  |  | Invalid as fee was cured by lender. | 12/18/2025 | C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | 6191569738 |  | PennyMac<br>Loan<br>Services,<br>LLC | Brown | 10/15/2025 | $1400000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  | Rescinded as cure was made within 60 days of discovery. | 12/18/2025 | C B A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | 6191569738 |  | PennyMac<br>Loan<br>Services,<br>LLC | Brown | 10/15/2025 | $1400000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; 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 $100.00 is due to increase from $0.00 to $120.00 for the Appraisal Field Review Fee. A lender credit for cure in the amount of $20.00 was not sufficient to cure the entire violation leaving the amount of $100.00 to cure violation. | cure | 12/16/2025 | Condition cured post close as we have received evidence of lender cure. ; Condition cured post close as we have received evidence of lender cure. | 12/18/2025 | Qualifying DTI below max allowed. — Calculated DTI of 24.94% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | 6191569738 |  | PennyMac<br>Loan<br>Services,<br>LLC | Brown | 10/15/2025 | $1400000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 24.94% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,952.67) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,547.62). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | Audit reviewed Lender's response and has determined the loan amount increase and interest rate decrease does not require and additional 3 day waiting period on this loan. The APR decreased, a prepayment was not added and the loan product did not change on this loan; therefore, an additional 3 day waiting period is not required and the disclosure of the decrease in Lender credits due to the interest rate decrease is within tolerance. Condition cleared.; Lender provided a COC and re-disclosed CD dated 09/17/2025 reflecting rate re-lock at a lower rate which decreased the Lender credits. Audit re-ran compliance and has determined the Borrower did not receive the change at least 3 days prior to consummation. Condition retained.; 11/25/2025: Finding added due to initial CD provided. Please provide verification of rate lock date. The initial CD reflects Lender Credits of $5,547.62 and final CD reflects Lender Credits of $2,952.67. Please provide verification of rate lock date and valid COC for decrease in Lender credits from $5,547.62 on initial CD to $2,952.67 on final CD. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/06/2025 | Resolved | FCRE1198 | Credit | Audited<br>Reserves<br>are less than<br>Guideline<br>Required<br>Reserves<br>(Number of<br>Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) The loan file is missing asset verification. Short the required 3 months reserves. | Asset Docs | 11/20/2025 | Lender provided Borrower's Asset documentation. Condition cleared.; Audited Reserves of 8.37 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) Lender provided Borrower's Asset documentation. Condition cleared. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing documentation to verify net rental income for 12485 Northwoods Blvd required by DU. | Schedule E; the finding for "Borrower 1 Credit Report is Partially Present" was cleared...can this be cleared as well? | 12/15/2025 | AUS is not incomplete; Additional documentation received; exception resolved.; Audit reviewed Lender's response. Please provide schedule E or Lease agreement supporting rental income of $2,900.00 used for property 12485 Northwoods Blvd. Condition retained. | 12/16/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/11/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/14/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with Audit values, NMLA 332323, Loan Type Conventional, Loan Purpose Refinancing | 11/24/2025 | Lender agreed with audit values. Condition cleared.; Remains active as we have not received anything from lender. ; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). AND Audit Loan Type Conventional vs Lender Loan Type missing. AND Audit Loan Purpose Refinancing vs Lender Loan Purpose MISSING. AND Audit Mortgage Loan Originator NMLS ID – 332323 vs Lender NMLS ID — MISSING. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>Date Test | Documentation required to clear exception. Missing the Initial Closing Disclosure issued and acknowledged by the borrower at least 3 days prior to the loan consummation. 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. | Initial CD ; Initial disclosures; Econsent and Initial LE | 11/24/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial disclosures that included the initial Loan Estimate (LE). Please provide the initial Closing Disclosure (CD) to properly complete compliance testing. Condition retained.; Lender provided initial LE; however, it is not for the subject transaction and Lender did not provide initial CD for subject transction. Condition retained. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing VOE from the Work Number or Truework received by DU on 09/12/2025 for Borrower. | VOE's; VOE | 11/24/2025 | Lender provided WVOE for both Borrower's that was used by the AUS to validate both Borrowers employment and income. Condition cleared.; Income and Employment Meet Guidelines; Lender provided WVOE for Borrower 1 and Borrower 2; however, the Rep ID on the WVOE's provided do not match the AUS in file. Please provide the WVOE from Truework for Borrower 2 and The Work Number for Borrower 1 that the DU used to validate the employment and income for each Borrower. Condition retained. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/07/2025 | Resolved | FCRE5774 | Credit | Borrower<br>1 Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation confirming Borrower's investment property at 12485 Northwoods Blvd has no HOA. | Statement | 11/20/2025 | Lender provided HOA statement for 12485 Northwoods. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCOM9186 | Compliance | eSigned<br>Documents<br>Consent is<br>Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for the initial disclosures esigned 8/29/2025. | econsent; Econsent and Initial LE | 11/20/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.<br> ; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing.; Lender provided eConsent; however, it is not for the subject Borrower's or the subject transaction. Condition retained.; Material Finding | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | 7300001801 |  | PennyMac<br>Loan<br>Services,<br>LLC | Abelson | 09/19/2025 | $1126975.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/04/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Missing evidence the borrowers received the appraisal report at least 3 business days prior to the loan consummation. | Appraisal tracking | 11/20/2025 | Evidence of appraisal delivery provided. Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Material Finding | 11/21/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.4% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.4% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 757 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.15 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | 7019871779 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Stokwitz | 10/17/2025 | $1553531.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; BAML approves PNMC TPV GL waterfall — condition cleared; Third party valuation product provided within tolerance. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | 7019871779 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Stokwitz | 10/17/2025 | $1553531.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/18/2025 | Rescinded | FPRO1246 | Property | Second<br>Appraisal<br>is Expired | Secondary Value Appraisal is Expired | Please see appraisal dated 9.17.25 | 11/28/2025 | Secondary Value Appraisal is Not Expired Or Secondary Valuation Does Not Exist Audit reviewed Lender's response and has determined the updated appraisal is in file. Condition rescinded. | 12/02/2025 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | 7019871779 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Stokwitz | 10/17/2025 | $1553531.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/11/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 4471.4 vs Lender Total Loan Costs 4221.4. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree, Total Loan Costs is $4,471.4 | 11/24/2025 | Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared; Material Finding; Lender agreed with audit — condition cleared; Material Finding | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | 7019871779 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Stokwitz | 10/17/2025 | $1553531.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/05/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | 7019798715 |  | PennyMac<br>Loan<br>Services,<br>LLC | James | 10/16/2025 | $960000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs 3438.40 vs Lender Total Loan Costs 3188.40. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | Agree with audit's value — Total Loan Costs 3438.40 | 12/09/2025 | Lender agreed with audit value. Condition cleared.; Material; Material | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | 7019798715 |  | PennyMac<br>Loan<br>Services,<br>LLC | James | 10/16/2025 | $960000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | 7019798715 |  | PennyMac<br>Loan<br>Services,<br>LLC | James | 10/16/2025 | $960000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Provided Within Tolerance. | This was also provided in the original submission ; Invalid CU score 2.4, LCA1 | 11/26/2025 | Third party valuation product provided within tolerance. Lender provided Freddie Mac UCDP report reflecting LCA score of 1. The FNMA risk score is 2.4. Condition cleared.; Audit reviewed Lender's response and has determined the UCDP report is in file reflecting score of 2.4; however, the Loan Collateral Advisor (LCA) was not found in file. Please provide the LCA reflecting score less than 2.5 to meet guideline requirements. Condition retained. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | 7019798715 |  | PennyMac<br>Loan<br>Services,<br>LLC | James | 10/16/2025 | $960000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report Provide Third Party Fraud Report |  |  | Fraud Report received with no red flags. Condition Cleared. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 680 D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | 8213456427 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Valdez | 10/14/2025 | $1785000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/14/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Please provide evidence that the borrower received the appraisal 3 business days prior to consummation, 10/14/2025. | Evidence | 12/10/2025 | Lender provided appraisal acknowledgement. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | 8213456427 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Valdez | 10/14/2025 | $1785000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE4104 | Credit | Missing<br>explanation<br>and<br>supporting<br>documentation<br>for large<br>deposit(s) | A copy of the wire document for wire into Citi account ending in x3600 on 7/22/25 for $91,931.13 was not found in the file. Lender to provide copy of wire verifying source of funds. | Per FNMA B3-4.2-02, source of large deposits is not required on refinances. | 11/28/2025 | Audit reviewed Lender's response and has determined the Citi account ending in 3600 was not needed or used in qualification; therefore, additional documentation is not required. Condition cleared. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | 8213456427 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Valdez | 10/14/2025 | $1785000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE3978 | Credit | Missing Letter<br>of Explanation<br>(Credit) | A copy of the Modification Agreement lowering the monthly payment obligation the borrower receives for the sale of his business Safe Consulting — NPSC was not found in the file, Lender to provide. | Please see attached | 11/28/2025 | Lender provided LOE from Borrower, with Amortization Schedule and deposit statements verifying monthly deposits of $1,250.00 for sale of business National Protection and Safety Consulting. Condition cleared | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | 8213456427 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Valdez | 10/14/2025 | $1785000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE1193 | Credit | Audited DTI<br>Exceeds<br>Guideline DTI | Audited DTI of 50.09% exceeds Guideline DTI of 50% Loan approved with DTI of 49.71$ and subject property taxes of $598.99 a month, the Tax Record Information Sheet provided by the Title Company indicates $4,173.94 Semi-Annual with a total of $8,347.88 / 12 months equals $695.65. Difference in PITIA is $96.66, audited income is $31.40 less than Lender income. | The borrower has several sources of income. Which source of income came in $31.40 less than our income? | 11/28/2025 | Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender's response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared.; Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender's response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared.; Audited DTI of 49.77% is less than or equal to Guideline DTI of 50% Audit reviewed Lender's response and has determined the title and property detail report supports monthly taxes of $598.99. Audit re-calculated DTI is 49.77%, which is within tolerance of the AUS approved DTI of 49.71%. Condition cleared. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | 8213456427 |  | United<br>American<br>Mortgage<br>Corporation,<br>a<br>Corporation | Valdez | 10/14/2025 | $1785000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.15% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.16 years on job.<br> D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | 8213565513 |  | Highlands<br>Residential<br>Mortgage,<br>LTD, a<br>Limited<br>Partnership | Odeen | 10/16/2025 | $1427000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 12/10/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821356551312. Condition cleared.; Material; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300KHXD7JSQUZIJ22705830335848 vs Lender ULI RVDPPPGHCGZ40J4VQ731821356551312. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | 8213565513 |  | Highlands<br>Residential<br>Mortgage,<br>LTD, a<br>Limited<br>Partnership | Odeen | 10/16/2025 | $1427000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | 8213565513 |  | Highlands<br>Residential<br>Mortgage,<br>LTD, a<br>Limited<br>Partnership | Odeen | 10/16/2025 | $1427000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE1294 | Credit | Income 3<br>Months<br>Income<br>Verified is<br>Missing | Income 3 Months Income Verified is Missing Award letter not in file. | Award Letters | 11/28/2025 | Lender provided SSA Award letters for both Borrowers. Condition cleared.; Income 3 Months Income Verified is Present Or Not Applicable | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | 8213565513 |  | Highlands<br>Residential<br>Mortgage,<br>LTD, a<br>Limited<br>Partnership | Odeen | 10/16/2025 | $1427000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | FCRE1292 | Credit | Income 1<br>Months<br>Income<br>Verified is<br>Missing | Income 1 Months Income Verified is Missing Award letter not in file. | Award Letters | 11/28/2025 | Lender provided SSA Award letters for both Borrowers. Condition cleared.; Income 1 Months Income Verified is Present Or Not Applicable | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.85% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.98% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | 8213151403 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, A<br>California<br>Corporation | Jordan | 10/10/2025 | $1669424.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821315140363 | 12/12/2025 | ULI provided — condition cleared; ULI provided — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; ULI provided — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 25.22 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | 8213151403 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, A<br>California<br>Corporation | Jordan | 10/10/2025 | $1669424.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 25.22 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | 8213151403 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, A<br>California<br>Corporation | Jordan | 10/10/2025 | $1669424.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Interest rate on the AUS in file does not match the Note or 1008 in file. | AUS | 12/10/2025 | AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared.; AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared.; AUS is not incomplete Lender provided updated AUS reflecting interest rate that matches the Note. Condition cleared. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.58% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.58% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 25.22 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.28% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 720<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | 6191562038 |  | PennyMac<br>Loan<br>Services,<br>LLC | Leaven | 10/17/2025 | $1296000.00 IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 814 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 28.73% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | 8213181143 |  | Highpoint<br>Mortgage<br>Inc | Siegel | 10/14/2025 | $1999200.00 NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). There is no evidence of Appraisal delivery to the borrower at least 3 days prior to the consummation date of 10/14/25. | Appraisal Acknowledgement | 12/05/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 20.8 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | 8213181143 |  | Highpoint<br>Mortgage<br>Inc | Siegel | 10/14/2025 | $1999200.00 NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create the ULI | 12/02/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821318114383. Condition cleared.; Material Finding; HMDA discrepancy noted: Audit ULI missing. Lender may clear finding by providing documentation to support their value. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 20.8 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | 8213181143 |  | Highpoint<br>Mortgage<br>Inc | Siegel | 10/14/2025 | $1999200.00 NJ | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 20.8 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | 6191626763 |  | PennyMac<br>Loan<br>Services,<br>LLC | Hathaway | 10/27/2025 | $1413735.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 23.4 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74.72% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.72% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | 8213527979 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, A<br>California<br>Corporation | Martinie | 10/16/2025 | $980000.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 12/30/2025 | Condition resolved as we have received lenders ULI. ; Condition resolved as we have received lenders ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Condition resolved as we have received lenders ULI. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 01/02/2026 | Borrower has stable job time — Borrower has 2.8 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | 8213527979 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, A<br>California<br>Corporation | Martinie | 10/16/2025 | $980000.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Condition resolved as we have received lenders ULI. ; HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/02/2026 | Borrower has stable job time — Borrower has 2.8 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | 8213527979 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, A<br>California<br>Corporation | Martinie | 10/16/2025 | $980000.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower chose to waive the right to receive the appraisal at least 3 days prior to consummation, but it does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal. | Appraisal Delivery to Borrower | 12/11/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 12/15/2025 | Borrower has stable job time — Borrower has 2.8 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 20.16% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | 6691564393 |  | West<br>Capital<br>Lending,<br>Inc | Kaschub | 10/16/2025 | $1788000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of $1770000 is Less than Total Amount of Subject Lien $1788000 Final Title Policy not found in the loan file, Lender to provide policy with a minimum coverage of $1,788,000. | Final Title | 01/12/2026 | Title Coverage Amount of $1788000 is equal to or greater than Total Amount of Subject Lien $1788000; Title Coverage Amount of $1788000 is equal to or greater than Total Amount of Subject Lien $1788000; Material Finding | 01/13/2026 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | 6691564393 |  | West<br>Capital<br>Lending,<br>Inc | Kaschub | 10/16/2025 | $1788000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI # RVDPPPGHCGZ40J4VQ731669156439369<br> We agree with audit's value — total loan costs are $55,918.01<br> NMLS # 1714388 | 12/09/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731669156439369 and agreed with audit values for total loan costs and NMLS. Condition cleared.; Material Finding; HMDA discrepancy noted: Missing Lender ULI number. Also, audit total loan costs are $55,918.01 and lenders is missing. Additionally, lenders NMLS is missing. Lender may clear finding by providing documentation to support their value. | 12/11/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | 6691564393 |  | West<br>Capital<br>Lending,<br>Inc | Kaschub | 10/16/2025 | $1788000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | 6691564393 |  | West<br>Capital<br>Lending,<br>Inc | Kaschub | 10/16/2025 | $1788000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/19/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 09/17/2025 or provide confirmation the lender has no affiliates. | Affiliated Business; Affiliated Business | 12/09/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 12/09/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | 6691564393 |  | West<br>Capital<br>Lending,<br>Inc | Kaschub | 10/16/2025 | $1788000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCRE3978 | Credit | Missing<br>Letter of<br>Explanation<br>(Credit) | The following inquiries appear on the borrower's Credit Report, a signed letter of explanation was not found in the file:<br> -09/08/25 XACTUS LLC MISC<br> -09/07/25 XACTUS-AVANTUS/ROCKET FINANCE<br> -09/07/25 ROCKET MORTG MISC | LOE | 12/08/2025 | lender provided attestation that Lender obtained validation from Transunion that no new debt was obtained verifying Lender did their due diligence in reference to the credit inquiries. Condition cleared. | 12/09/2025 | Borrower has stable job time — Borrower has 5.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.74% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | 6191568323 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/27/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Rescinded | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Re run DU with approved loan amount per NOTE of $1,300,000. DU approval shows $1,306,000. | Previously provided | 12/02/2025 | AUS is not incomplete Audit reviewed Lender's response and has determined the AUS number 16 reflecting Loan amount of $1,300,000.00 is in the loan file. Condition rescinded. | 12/04/2025 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | 6191568323 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/27/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Rescinded | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at 3301 McLeod St. Additional conditional may apply. | Property is not a PUD or Condo, Schedule E does not indicate HOA | 12/02/2025 | Audit reviewed Lender's response and has determined the schedule E supports property 3301 Macleod does not have HOA fees. Condition rescinded. | 12/04/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | 6191568323 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/27/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Lender didn't provide income worksheet or address B1 "other income' of $880.97/mo which is needed as ratios are at 49.84% with this income. Paystubs reflect multiple types of income some are not addressed as to what they are or if they will continue. Additional conditions may apply | ICW | 12/02/2025 | Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator. The income documentation supports income calculated by Lender. Condition cleared. | 12/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.32 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.8% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | 6191568323 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/27/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 59.8% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.32 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.8% is less than Guideline CLTV of 89.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | 8213567346 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, a<br>Georgia<br>Limited<br>Liability<br>Company | Moroni | 10/24/2025 | $1106000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Tracking | 12/16/2025 | Resolved as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided.; Material Finding | 12/18/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | 8213567346 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, a<br>Georgia<br>Limited<br>Liability<br>Company | Moroni | 10/24/2025 | $1106000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 12/10/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821356734642. Condition cleared.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 5493006M8QYUT4I7DY46100000265144 vs Lender ULI RVDPPPGHCGZ40J4VQ731821356734642. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Material Finding | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | 8213567346 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, a<br>Georgia<br>Limited<br>Liability<br>Company | Moroni | 10/24/2025 | $1106000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA discrepancy noted: Audit ULI 5493006M8QYUT4I7DY46100000265144<br> vs Lender value RVDPPPGHCGZ40J4VQ731821356734642<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.48% is less than Guideline LTV of 89.99% Calculated LTV of 68.48% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99% Calculated CLTV of 68.48% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 6.46 years on job. Borrower has 6.46 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700 Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | 6191626641 |  | PennyMac<br>Loan<br>Services,<br>LLC | Busch<br>II | 10/27/2025 | $922234.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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, missing proof borrower received appraisal 3 days prior to closing | Appraisal delivery | 12/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 3.66 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | 6191626641 |  | PennyMac<br>Loan<br>Services,<br>LLC | Busch II | 10/27/2025 | $922234.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Invalid — LCA 2, CU 2.3 | 12/02/2025 | Lender provided FNMA UCDP reflecting risk score of 2.3 and provided Freddie Mac UCDP reflecting risk score of 2. Condition cleared.; Third party valuation product provided within tolerance. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 3.66 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | 6191626641 |  | PennyMac<br>Loan<br>Services,<br>LLC | Busch II | 10/27/2025 | $922234.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 30.3% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.87% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 3.66 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | 6191629463 |  | PennyMac<br>Loan<br>Services,<br>LLC | Staats Jr. | 11/01/2025 | $928000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 28.25% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.46 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | 6191608827 |  | PennyMac<br>Loan<br>Services,<br>LLC | Bjerke<br>Mickelson | 10/24/2025 | $1224000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 16.16 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.97% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.49% is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 78.97% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | 6191596505 |  | PennyMac<br>Loan<br>Services,<br>LLC | Reynolds | 10/23/2025 | $1000000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 10.07 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.85% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.32% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.85% is less than Guideline LTV of 89.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | 6191631795 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/29/2025 | $924000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Evidence | 12/30/2025 | Resolved as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided.; Material | 01/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | 6191631795 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/29/2025 | $924000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM9186 | Compliance | eSigned<br>Documents<br>Consent is<br>Missing | The eSigned consent disclosure is missing. Documentation required. missing proof of e-consent | Application date 10/12<br> Initial documents sent 10/13<br> Consent provided on 10/21 | 12/12/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing.; Additional documentation received; exception resolved.; Material | 01/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | 6191631795 |  | PennyMac<br>Loan<br>Services,<br>LLC | Andrews | 10/29/2025 | $924000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.96% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.96% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | 8213645638 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Miller | 10/16/2025 | $1263000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, Williston Financial Group has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within 3 business days of application 09/16/2025 that confirms the lender has affiliates. | Affiliated Business | 12/10/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | 8213645638 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Miller | 10/16/2025 | $1263000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM3608 | Compliance | Intent to<br>Proceed is<br>Missing | The intent to proceed is missing. Cure — Provide a signed copy of the Intent to proceed dated within 10 business day from Initial LE dated 09/18/2025. | Intent to Proceed | 12/10/2025 | Lender provided verification of Borrower's Intent to Proceed. Condition cleared.; Proof of Intent to Proceed has been provided.; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | 8213645638 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Miller | 10/16/2025 | $1263000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | FCOM1266 | Compliance | Homeownership<br>Counseling<br>Disclosure Is<br>Missing | Homeownership Counseling Disclosure Is Missing Cure- provide Homeownership counseling organizations disclosure dated within 3 days of initial application 09/16/2025. | Homeownership Counseling Disclosure | 12/10/2025 | Lender provided acknowledgment of Homeownership Counseling disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | 8213645638 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Miller | 10/16/2025 | $1263000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300CSPE70WIF4Z922250900075694<br> vs Lender value RVDPPPGHCGZ40J4VQ731821364563803<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | ULI | 12/10/2025 | Lender provided snippet of Lender's Work Dash Board verifying valid ULI of RVDPPPGHCGZ40J4VQ731821364563803. Condition cleared.; Material Finding | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | 8213645638 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Miller | 10/16/2025 | $1263000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Curative | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time — Borrower has 11.05 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 795 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.67% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.47% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.47% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | 6191607777 |  | PennyMac<br>Loan<br>Services,<br>LLC | Carcamo | 10/23/2025 | $1560500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 28.87% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.16 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | 6691592172 |  | Loan<br>Titan Inc | Shay | 10/17/2025 | $3375000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $300.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $300.00; 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 $300.00 is due to increase from $2,200.00 to $2,500.00 for the Appraisal Fee. | cure | 12/29/2025 | Condition cured post close and will remain a non material B grade. Received lenders cure package for the appraisal increase fee tolerance. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. — Calculated DTI of 22.4% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.29 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | 6691592172 |  | Loan<br>Titan Inc | Shay | 10/17/2025 | $3375000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, Loan Titan Inc. has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within 3 business days of application 09/22/2025 that confirms the lender has affiliates. | Affiliated Business response | 12/09/2025 | Lender provided attestation of no affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 740<br> Qualifying DTI below max allowed. — Calculated DTI of 22.4% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.29 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | 6191590618 |  | Pennymac<br>Loan<br>Services,<br>LLC | Davies | 10/22/2025 | $1365000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE1347 | Credit | Borrower<br>2 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing | VOE | 12/02/2025 | Lender provided Verification of Business dated within 10 business days of the Note date. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 12/04/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.88% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 748 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.88% is less than Guideline LTV of 80%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | 6191590618 |  | Pennymac<br>Loan<br>Services,<br>LLC | Davies | 10/22/2025 | $1365000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.88% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 748 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.88% is less than Guideline LTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | 6191599398 |  | PennyMac<br>Loan<br>Services,<br>LLC | Alvarez | 10/27/2025 | $940000.00 FL | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Rescinded | FCRE9995 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $21803.03 are less than Guideline Required Reserves of $22449.6. Guidelines require 3 months reserves and we only have 2.91 months verified. | Per the attached Asset Worksheet, verified funds $243,110.47 minus funds required to close $279,099.44 = $34,011.03 reserves. Required reserves $29,552.34.<br> subject: 8630 SW 47th $7483.20 x 3 mos = $22,449.60<br> REO: 1658 Bay Road UPB $355,137 x 2% = $7102.74<br> Subject reserves $22449.60 + REO reserves $7102.74 = total required reserves $29,552.34<br> FNMA B3-4.1-01 2% of the aggregate UPB if the borrower has one to four financed properties | 12/09/2025 | Audit reviewed Lender's response and has determined assets are sufficient for cash to close and reserves. Condition rescinded.; Audited Reserves of $34361.03 are equal to or greater than AUS Required Reserves of $22449.6. | 12/11/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | 6191599398 |  | PennyMac<br>Loan<br>Services,<br>LLC | Alvarez | 10/27/2025 | $940000.00 FL | QM: Safe Harbor APOR (APOR SH) | Curative | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/02/2025 | Borrower has stable job time — Borrower has 3.18 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | 6191611395 |  | Pennymac<br>Loan<br>Services,<br>LLC | Lloyd-<br>Lovett | 10/27/2025 | $1530000.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE1159 | Credit | Hazard<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Hazard Insurance Effective Date of 10-30-2025 is after the Disbursement Date of 10-28-2025. Per Hazard Policy | HOI | 12/09/2025 | Lender provided hazard insurance declarations reflecting effective date of 10/27/2025. Condition cleared.; Hazard Insurance Effective Date of 10-27-2025 is prior to or equal to the Disbursement Date of 10-28-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declarations reflecting effective date of 10/27/2025. Condition cleared. | 12/11/2025 | Borrower has stable job time — Borrower has 4.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | 6191611395 |  | Pennymac<br>Loan<br>Services,<br>LLC | Lloyd-<br>Lovett | 10/27/2025 | $1530000.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Borrower has stable job time — Borrower has 4.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 720<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape<br>Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3515 | Compliance | Initial<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(from<br>application) | The application date is 09/11/2025. The initial LE in file is dated 10/08/2025. It appears the initial LE is missing from the file. Upon receipt, compliance testing will be completed. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Initial LE — pages 18-20<br> SPL page 27<br> Homeownership Counseling Organizations pages 29-31 | 12/10/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More<br>Than<br>10%<br>Test | Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application 09/11/2025. This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,075.75) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application 09/11/2025. 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 $24,557.50.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). |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($17,380.03) does not exceed or equal the comparable sum of specific and non-specific lender credits ($20,608.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at $0.00 and will not reset. Cure- Provide a copy of the Initial LE dated with 3 days of the initial application 09/11/2025. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined Lender credits are within tolerance. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | The application date is 09/11/2025, the Homeownership Counseling Organizations Disclosure is dated 10/08/2025, greater than 3 days from the application date. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. The HOC counseling disclosure in file is dated 10/08/2025 and the application date is 09/11/2025. Please provide HOC counseling disclosure dated within 3 business days of application date. | Initial LE — pages 18-20<br> SPL page 27<br> Homeownership Counseling Organizations pages 29-31 | 12/10/2025 | Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | 6191571387 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Nelson | 10/27/2025 | $1105600.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | CDA | 12/05/2025 | CDA dated 10/20/2025 with value of $1,382,000.00 was provided and is within 10% tolerance of appraisal value of $1,382,000.00. Condition cleared.<br> ; Third party valuation product provided within tolerance. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 7.27 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 32.82% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | 6191604945 |  | PennyMac<br>Loan<br>Services,<br>LLC | Li | 10/21/2025 | $960000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | 6191604945 |  | PennyMac<br>Loan<br>Services,<br>LLC | Li | 10/21/2025 | $960000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Verify solar agreement doesn't require a monthly payment and meets all FHLMC requirements as agreement in file is unclear. (Note: Lien is appearing on title) | Please see attached. Power Purchase Agreements do not require payments included in DTI. | 12/05/2025 | Lender provided the Solar Power Purchase Agreement verifying no monthly payment required. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | 6191604945 |  | PennyMac<br>Loan<br>Services,<br>LLC | Li | 10/21/2025 | $960000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines 1. Lender to provide WVOE from employer for B1 as it is unclear from paystubs a traditional salary and borrower on job less than 2 yrs. Lender worksheet showing how income was arrived at was not provided in file. Additional conditions may apply.<br> 2. Lender to provide WVOE from employer for B2 as it is unclear from paystubs a traditional salary and borrower on job less than 2 yrs. Lender worksheet showing how income was arrived at was not provided in file. Additional conditions may apply. | Please see attached WVOE (Peyton) and Income Worksheet (both). | 12/08/2025 | Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender's income calculation for both Borrowers. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender's income calculation for both Borrowers. Condition cleared.; Income and Employment Meet Guidelines Lender provided income calculator for both Borrower. Income documentation supports Lender's income calculation for both Borrowers. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 25.02% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 759 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | 6191585146 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Hennessee | 10/22/2025 | $1551000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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 3-business days prior to the consummation date. | Appraisal letter | 12/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material Finding | 12/04/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.31% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.57 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.31% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | 6191585146 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Hennessee | 10/22/2025 | $1551000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 44.31% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.57 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.31% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | 6191632891 |  | Pennymac<br>Loan<br>Services,<br>LLC | Carter | 10/30/2025 | $832000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 21.14% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.59 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 756 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | 6191588215 |  | PennyMac<br>Loan<br>Services,<br>LLC | Ahmed | 10/27/2025 | $1051000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Rescinded | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — SSR's provided — CU score 2.2 LCA 2.5 — Not required | 12/02/2025 | Audit reviewed Lender's response and has determined the UCDP is in the loan file and reflects risk score of 2.2. Condition rescinded.; Third party valuation product provided within tolerance. | 12/03/2025 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | 6191588215 |  | PennyMac<br>Loan<br>Services,<br>LLC | Ahmed | 10/27/2025 | $1051000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 747 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 37.26% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 73.75% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | 6691584821 |  | Answer<br>Home<br>Lending | Larson | 10/15/2025 | $988000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | "Lender calculations:<br> ULI RVDPPPGHCGZ40J4VQ731669158482189<br> Total Loan Costs: $7540.70 — 11/18/25 CD<br> NMLS 648536" | 12/12/2025 | Additional documentation received; exception resolved.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO, Lender Total Loan Costs missing. ALSO missing lenders NMLS. Lender may clear finding by providing documentation to support their value. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | 6691584821 |  | Answer<br>Home<br>Lending | Larson | 10/15/2025 | $988000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | 8213515177 |  | Security<br>National<br>Bank of<br>Omaha, a<br>Corporation | Wells | 10/09/2025 | $2000000.00 | NE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 5493007RCYAICJL91Z44001002948523 vs Lender ULI RVDPPPGHCGZ40J4VQ731821351517788. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | ULI is RVDPPPGHCGZ40J4VQ731821351517788 | 12/12/2025 | ULI provided — Lender confirmed — condition cleared; ULI provided — Lender confirmed — condition cleared; ULI provided — Lender confirmed — condition cleared | 12/15/2025 | Borrower has stable job time — Borrower has 6.78 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | 8213515177 |  | Security<br>National<br>Bank of<br>Omaha, a<br>Corporation | Wells | 10/09/2025 | $2000000.00 NE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 6.78 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | 8213515177 |  | Security<br>National<br>Bank of<br>Omaha, a<br>Corporation | Wells | 10/09/2025 | $2000000.00 NE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Document Required :Missing Proof of Appraisal Delivery at least 3 business days prior to the loan consummation. | Appraisal Delivery to Borrower | 12/10/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Document Required :Missing Proof of Appraisal Delivery at least 3 business days prior to the loan consummation. | 12/11/2025 | Borrower has stable job time — Borrower has 6.78 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.11% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | 6191607835 |  | PennyMac<br>Loan<br>Services,<br>LLC | Newton | 10/24/2025 | $1400000.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.87% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 11.57% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60.87% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 4.77 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | 6191612676 |  | PennyMac<br>Loan<br>Services,<br>LLC | Schreyer | 10/22/2025 | $1420000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.18% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | 6191600871 |  | PennyMac<br>Loan<br>Services,<br>LLC | Zhong | 10/21/2025 | $1500000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide satisfactory explanation and identify type of income, provide lender worksheet showing and "other income" requirements to show how they arrived at $12,468.40/mo as stated in the file. Please refer to FNMA guidelines Section B3-3.1-09 other sources of income dated 10/8/2025 RSU income if this is applicable. Paystubs do not document as RSU income but as Google Stocks. Additional conditions may apply. | Income worksheet and RSU docs | 12/05/2025 | Lender provided 2023 and 2024 YTD pay stubs, stock statements and income calculator that included calculation of Google Stock income. The income documentation supports the income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines | 12/09/2025 | Borrower has stable job time — Borrower has 7.65 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.76% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 32.12% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 38.76% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | 6191600871 |  | PennyMac<br>Loan<br>Services,<br>LLC | Zhong | 10/21/2025 | $1500000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/02/2025 | Borrower has stable job time — Borrower has 7.65 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 38.76% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 32.12% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 38.76% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | 6191585167 |  | PennyMac<br>Loan<br>Services,<br>LLC | Badwal | 10/27/2025 | $951340.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 29.79% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 43.52% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.52% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 10.65 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | 6191595687 |  | Pennymac<br>Loan<br>Services,<br>LLC | Chamberlain | 10/16/2025 | $1000000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 815 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.32% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 22.07 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | 6191626438 |  | PennyMac<br>Loan<br>Services,<br>LLC | Jagessar<br>Thompson | 10/28/2025 | $1400000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — CU score 1.2, LCA 2.5 | 12/04/2025 | Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared.; Third party valuation product provided within tolerance. Lender provided FNMA UCDP reflecting risk score of 1.2 and Freddie UCDP reflecting risk score of 2.5; therefore, a CDA is not required. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.54% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 740 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.69 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | 6191626438 |  | PennyMac<br>Loan<br>Services,<br>LLC | Jagessar<br>Thompson | 10/28/2025 | $1400000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.54% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 740 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.69 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | 6191609668 |  | PennyMac<br>Loan<br>Services,<br>LLC | Ahmed | 10/24/2025 | $3480000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 25.75 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | 6191609668 |  | PennyMac<br>Loan<br>Services,<br>LLC | Ahmed | 10/24/2025 | $3480000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $7.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $7.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $7.00 is due to increase from $99.00 to $106.00 for the Credit Fee on the initial CD. | COC | 12/10/2025 | Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared.; Lender provided valid COC for increase in credit repot fee, which was due to a correction to the credit report for Borrower's DOB. Condition cleared. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br> Borrower has stable job time — Borrower has 25.75 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | 6691608201 |  | Loan<br>Remedy | Plaehn | 10/20/2025 | $1731000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Lender Calculations:<br> ULI RVDPPPGHCGZ40J4VQ731669160820180<br> Total Loan Costs: $4,663.70<br> NMLS: 1118518 | 12/10/2025 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669160820180 and agreed with Total Loan Costs of $4,663.70 and NMLS of 1118518. Condition cleared.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO, Lender Total Loans Costs missing. ALSO, missing lenders NMLS. Lender may clear finding by providing documentation to support their value. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | 6691608201 |  | Loan<br>Remedy | Plaehn | 10/20/2025 | $1731000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | 6691608201 |  | Loan<br>Remedy | Plaehn | 10/20/2025 | $1731000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3515 | Compliance | Initial<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation Required- Loan estimate dated within within three business days of the application date of 09/30/2025. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | 6691608201 |  | Loan<br>Remedy | Plaehn | 10/20/2025 | $1731000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $793.70.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation Required- Provide initial loan estimate dated within three business days of application date of 09/30/2025. Also provide Written List of Service Providers dated within three business days of application date. If loan estimated dated 10/06/2025 is the earliest LE, cure required. TILA 130b Cure Required. Refund in the amount of $793.70; 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 $793.70 is due to the timing of initial LE in file dated 10/06/2025. | Initial LE, SPL, Counseling | 12/10/2025 | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | 6691608201 |  | Loan<br>Remedy | Plaehn | 10/20/2025 | $1731000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More<br>Than<br>10%<br>Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,950.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation Required- Provide initial loan estimate dated within three business days of application date of 09/30/2025. Also provide Written List of Service Providers dated within three business days of application date. If loan estimated dated 10/06/2025 is the earliest LE, cure required. TILA 130b Cure Required. Refund in the amount of $3,950; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The 10% tolerance violation in the amount of $3,950 is due to the timing of initial LE in file dated 10/06/2025. Also missing Written List of Service Providers dated within three business days of application date. |  |  | Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial LE. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | 6691608201 |  | Loan<br>Remedy | Plaehn | 10/20/2025 | $1731000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation Required- Homeownership Counseling Organizations Disclosure dated within three business days of the application date of 09/30/2025. | Homeownership Counseling Organizations Disclosure, Loan Estimate, SPL | 12/09/2025 | Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Lender provided Homeownership Counseling disclosure dated within 3 days of the application date. Condition cleared.; Material Finding | 12/11/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.93% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 72.37% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.37% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 4.98 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | 6191595361 |  | Pennymac<br>Loan<br>Services,<br>LLC | Cotten | 10/20/2025 | $965000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA; Secondary value product attached | 12/30/2025 | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance.; Lender provided the appraisal; however, did not provide a CDA supporting the appraisal value within 10% tolerance. Condition retained. | 01/02/2026 | Borrower has stable job time — Borrower has 6.89 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99%<br> Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | 6191595361 |  | Pennymac<br>Loan<br>Services,<br>LLC | Cotten | 10/20/2025 | $965000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time — Borrower has 6.89 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99%<br> Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | 6191595361 |  | Pennymac<br>Loan<br>Services,<br>LLC | Cotten | 10/20/2025 | $965000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($9,056.15) does not exceed or equal the comparable sum of specific and non-specific lender credits ($10,043.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required<br> A refund in the amount of $986.85 is required. The cure package must include a Post-Closing Change Disclosure (PCCD), Letter of Explanation (LOE), Copy of Refund Check, and Proof of Delivery or a Valid Change of Circumstance (COC). A lender credit tolerance violation in the amount of $986.85 was identified due to a decrease in Lender Credits from $10,043.00 (revised LE dated 09/26/2025) to $9,056.15 (final disclosure).<br> Amount Exceeding Allowable Tolerance: $986.85 | COC | 12/10/2025 | Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared.; Lender provided valid COC for decrease in Lender credits which was due to a pricing change caused by the appraisal value coming in low increasing DTI, and LTV / CLTV. Condition cleared. | 12/11/2025 | Borrower has stable job time — Borrower has 6.89 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.75% is less than Guideline CLTV of 88.99%<br> Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of 50%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 71.75% is less than Guideline LTV of 88.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | 6191633119 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chason | 11/04/2025 | $1060000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided The most recent DU Findings included in the loan file Submission Number 11 does not include all pages. Lender to provide a complete copy of the final DU Findings. | AUS | 11/28/2025 | AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared.; AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared.; AUS is not incomplete Lender provided all pages to the AUS #11. Condition cleared. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.33% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 4.76 years on job.<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | 6191633119 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chason | 11/04/2025 | $1060000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Qualifying DTI below max allowed. — Calculated DTI of 32.33% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 4.76 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | 8213597375 |  | Milend,<br>Inc., a<br>Corporation | Hood | 10/15/2025 | $1162500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | 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 793 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 9.71 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 18.59% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | 6691603325 |  | EquitySmart<br>Home<br>Loans, Inc | Denoly | 10/21/2025 | $1186000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731669160332561 vs Lender ULI Missing. AND Audit Total Loan Costs 3049.95 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS 2550859 vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | We agree with Audit Value's ULI RVDPPPGHCGZ40J4VQ731669160332561, Total Loan Costs 3049.95 and Loan Originator NMLS 2550859. Thank you | 12/12/2025 | Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared; Lender agreed with audit — condition cleared | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 18.82% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 3.31 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 742 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | 6691603325 |  | EquitySmart<br>Home<br>Loans, Inc | Denoly | 10/21/2025 | $1186000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 18.82% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 3.31 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 742 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | 6191591972 |  | PennyMac<br>Loan<br>Services,<br>LLC | Fried | 11/03/2025 | $1040000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 4.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 720<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | 6191540566 |  | PennyMac<br>Loan<br>Services,<br>LLC | White | 10/15/2025 | $1108053.00 | UT | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Qualifying DTI below max allowed. — Calculated DTI of 26.89% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 46.17% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 46.17% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 22.81 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | 6191582777 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wagner | 10/20/2025 | $1500000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Borrower has stable job time — Borrower has 6.48 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 34.73% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 809 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.79% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.79% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | 6191617266 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chee | 10/24/2025 | $1312000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.01 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | 6191617266 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chee | 10/24/2025 | $1312000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 5 Does Not Meet Guideline Requirements A copy of the gift check for $49,200 in the loan file, the check does not identify the donor. The following LP Findings condition was not met:<br> - Evidence of transfer of gift funds from the donor's account to recipient's account or from the donor's account<br> to the closing agent. | Escrow receipt | 12/05/2025 | Lender provided Escrow Deposit Receipt from settlement agent verifying the gift funds of $49,200.00 from the gift donor was given directly to the settlement agent. Condition cleared.; Asset 5 Meets Guideline Requirements Or Not Applicable; Asset 5 Does Not Meet Guideline Requirements A copy of the gift check for $49,200 in the loan file, the check does not identify the donor. The following LP Findings condition was not met:<br> - Evidence of transfer of gift funds from the donor's account to recipient's account or from the donor's account<br> to the closing agent. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.01 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | 6191617266 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chee | 10/24/2025 | $1312000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE1964 | Credit | Missing<br>income<br>documentation | Freddie Mac requires the following for RSU income be included in the loan file and was not found:<br> - Evidence the stock is publicly traded<br> - Documentation of the 200-day simple moving average stock price | Please see attached | 12/05/2025 | Lender provided verification the RSU income comes from publicly traded stock. Condition cleared. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 802 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.01 years on job.<br> D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | 6191625998 |  | Pennymac<br>Loan<br>Services,<br>LLC | Shani | 11/03/2025 | $1238940.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Cured | finding-651 | Compliance | TILA<br>Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,525,450.29. The disclosed finance charge of $1,519,802.24 is not considered accurate because it is understated by more than $100. TILA 130 required: A refund in the amount of $5648.05, cure package: PCCD with LOE, copy of refund and proof of delivery. The following fees included are: Admin $1095, Mtg Broker $9292.06, Tax Service $74, Flood Cert $5, Title Settlement $1986.30 and Prepaid Interest $5728.05. | Borrower was provided a refund of $5,728.05. LOE, PCCD, Refund check & delivery tracking label is provided; cure | 12/29/2025 | Condition cured post close and will remain a non material B grade. Received cure package form lender for finance charge. ; Condition cured post close and will remain a non material B grade. Received cure package form lender for finance charge. ; Lender provided LOE, PCCD copy of Disbursement check and financial statement reflecting cure provided as a principal reduction. The PCCD is not for the subject transaction. Please provide PCCD for the subject transaction. Condition retained. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 3.11 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | 6191625998 |  | Pennymac<br>Loan<br>Services,<br>LLC | Shani | 11/03/2025 | $1238940.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared; HMDA Data Tape Provided. | 12/02/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 3.11 years on job.<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | 8213500732 |  | Southern<br>Trust<br>Mortgage,<br>LLC | Davis | 10/07/2025 | $1680000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821350073264. please r3eview attached | 12/12/2025 | Lender provided documentation for ULI — condition cleared; Lender provided documentation for ULI — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300FOXIQQV5UZD3675914338466 vs Lender ULI RVDPPPGHCGZ40J4VQ731821350073264. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided documentation for ULI — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 549300FOXIQQV5UZD3675914338466 vs Lender ULI RVDPPPGHCGZ40J4VQ731821350073264. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Borrower has stable job time — Borrower has 16.98 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | 8213500732 |  | Southern<br>Trust<br>Mortgage,<br>LLC | Davis | 10/07/2025 | $1680000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 16.98 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | 8213500732 |  | Southern<br>Trust<br>Mortgage,<br>LLC | Davis | 10/07/2025 | $1680000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | AFBD | 12/10/2025 | Lender provided Affiliated Business disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material | 12/11/2025 | Borrower has stable job time — Borrower has 16.98 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | 8213676726 |  | Capital<br>Partners<br>Mortgage<br>Services,<br>a Limited<br>Liability<br>Company | Lusk | 10/10/2025 | $912000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821367672653 | 12/12/2025 | Lender provided ULI documentation — condition cleared; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender provided ULI documentation — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI 894500Z5NTAJDQWN0T57612509915612 vs Lender ULI RVDPPPGHCGZ40J4VQ731821367672653. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Borrower has stable job time — Borrower has 14.33 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 743 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 13.83% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | 8213676726 |  | Capital<br>Partners<br>Mortgage<br>Services,<br>a Limited<br>Liability<br>Company | Lusk | 10/10/2025 | $912000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/15/2025 | Borrower has stable job time — Borrower has 14.33 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 743 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 13.83% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | 6191398820 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pamula | 07/03/2025 | $928000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/02/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Total Loan Costs: $22,652.20 — 8/9 PCCD | 12/10/2025 | Lender agreed with audit values. Condition cleared.; Material; HMDA discrepancy noted: Audit total loan costs $23071.70 vs Lender value $22652.20<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | 6191398820 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pamula | 07/03/2025 | $928000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | 6191398820 |  | PennyMac<br>Loan<br>Services,<br>LLC | Pamula | 07/03/2025 | $928000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation | Appraisal Delivery to Borrowers; Mailed | 12/10/2025 | Lender provided LOE for appraisal valuation delivery verifying the date appraisal was provided to the Borrower. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided blanket LOE for appraisal; however, it is not date and does not have delivery information. Please provide documentation to verify the date the Borrower received the appraisal. Condition retained.; Material Finding | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | 6691627925 |  | NEXA<br>Mortgage,<br>LLC | Doty | 10/27/2025 | $840000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree with Audit value of ULI is RVDPPPGHCGZ40J4VQ731669162792578, NMLS 1509690, Total Loan Costs 7722.90 | 12/12/2025 | Lender agrees with audit — condition cleared; Lender agrees with audit — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731669162792578 vs Lender ULI Missing. Audit Total Loan Costs 7722.90 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS 1509690 vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit — condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731669162792578 vs Lender ULI Missing. Audit Total Loan Costs 7722.90 vs Lender Total Loan Costs Missing. AND Audit Loan Originator NMLS 1509690 vs Lender Loan Originator NMLS Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 12/15/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 25.28 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | 6691627925 |  | NEXA<br>Mortgage,<br>LLC | Doty | 10/27/2025 | $840000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 12/15/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 25.28 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | 6691627925 |  | NEXA<br>Mortgage,<br>LLC | Doty | 10/27/2025 | $840000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/26/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing a complete copy of AUS. | AUS; AUS | 12/10/2025 | Lender provided AUS with all pages. Condition cleared.; AUS is not incomplete Lender provided AUS with all pages. Condition cleared.; AUS Partially Provided Missing a complete copy of AUS. | 12/11/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 25.28 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.65% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | 6191651960 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stahl | 11/24/2025 | $1675000.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Cured | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $502.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $502.50; 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 $502.50 is due to increase from $0.00 to $502.50 for the Third Party Processing Fee without a valid COC. Although a COC was found on page 1094, the reason is not valid. Providing additional information and/or a valid reason for the change may cure the violation. | cures | 01/12/2026 | Lender provided the PCCD, LOE, Refund Check and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, Refund Check and evidence of delivery. Loan will be graded a B. | 01/13/2026 | Borrower has stable job time — Borrower has 9.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 14.7% is less than Guideline DTI of 50%<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | 6191651960 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stahl | 11/24/2025 | $1675000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 9.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 14.7% is less than Guideline DTI of 50%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | 6191650488 |  | PennyMac<br>Loan<br>Services,<br>LLC | Garzon | 11/18/2025 | $1076700.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 769 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 22.53% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 4.47 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | 6191681110 |  | PennyMac<br>Loan<br>Services,<br>LLC | Tahmasebi | 11/24/2025 | $1216000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 790 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | 6191672981 |  | PennyMac<br>loan<br>Servicing,<br>LLC | Hansen | 11/18/2025 | $1420000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | PCCD | 01/08/2026 | Lender provided the PCCD. Total loan costs $10.587.30. Condition cleared. ; Lender provided the PCCD. Total loan costs $10.587.30. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $10737.3<br> vs Lender $10587.3<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.86 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | 6191672981 |  | PennyMac<br>loan<br>Servicing,<br>LLC | Hansen | 11/18/2025 | $1420000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE1159 | Credit | Hazard<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Hazard Insurance Effective Date of 11-20-2025 is after the Disbursement Date of 11-19-2025. | Full policy; Effective 11/19 | 01/07/2026 | Hazard Insurance Effective Date of 11-19-2025 is prior to or equal to the Disbursement Date of 11-19-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of 11/19/25. Condition cleared.; Hazard Insurance Effective Date of 11-19-2025 is prior to or equal to the Disbursement Date of 11-19-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of 11/19/25. Condition cleared.; Hazard Insurance Effective Date of 11-19-2025 is prior to or equal to the Disbursement Date of 11-19-2025 Or Hazard Insurance Effective Date Is Not Provided. Lender provided hazard insurance declaration page showing an effective date of 11/19/25. Condition cleared. ; Lender provided a snippet of an insurance policy; however, it is not the full page and does not reflect the subject property as the insured property. Please provide a full copy of the insurance policy reflecting the subject address as the insured with effective date of 11/19/2025. Condition retained. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.86 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | 6191672981 |  | PennyMac<br>loan<br>Servicing,<br>LLC | Hansen | 11/18/2025 | $1420000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 763 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.86 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | 6191615276 |  | PennyMac<br>Loan<br>Services,<br>LLC | Barazon | 11/21/2025 | $867158.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 8.32 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | 6191616957 |  | PennyMac<br>Loan<br>Services,<br>LLC | Calderone | 11/25/2025 | $1320800.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE1146 | Credit | Title<br>Document is<br>Partially<br>Present | Title Document is incomplete or only partially present. Missing title commitment to reflect all liens recorded that were used to purchase the subject property OR the AUS must be submitted as Refi Cash Out. The AUS in file reflects Limited cash out Refi. The final CD reflects a payoff to Patriot Home Loans in the amount of $1,007,970.30 and to Novelty Homes in the amount of $334,433. The title commitment in file reflects one lien dated 12/10/2024 in the amount of $991,500 with Patriot Homes. | The main issue is whether this is truly a rate/term refinance or if it's a cash-out refinance. I went back to the underwriting team to help me understand because new construction transactions are a bit different than usual refinances. Please see attached. | 01/16/2026 | Upon further review, the transaction is considered a Rate/Term. The second lien (e.g., a HELOC or piggyback loan) was originally used to purchase the property. In that case, paying off both the first mortgage and the purchase money second is allowed under a Rate/Term (Limited Cash Out) Refinance. Condition cleared.; Title Document is fully Present.; Title Document is incomplete or only partially present. Missing title commitment to reflect all liens recorded that were used to purchase the subject property OR the AUS must be submitted as Refi Cash Out. The AUS in file reflects Limited cash out Refi. The final CD reflects a payoff to Patriot Home Loans in the amount of $1,007,970.30 and to Novelty Homes in the amount of $334,433. The title commitment in file reflects one lien dated 12/10/2024 in the amount of $991,500 with Patriot Homes. | 01/20/2026 | Borrower has stable job time — Borrower has 26.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | 6191616957 |  | PennyMac<br>Loan<br>Services,<br>LLC | Calderone | 11/25/2025 | $1320800.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. •Missing VOM for other lien paid off on final CD $334,433 Novelty Homes.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for 169 11th to support $1021.58 monthly.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for 340 Lake Lane to support $558.19 monthly. | Regarding Novelty Homes, please see attached explanation; Please see attached for 169 11th and 340 Lake. I'm still working on the Novelty Homes Mortgage. | 12/29/2025 | Condition resolved as we have received evidence of the mortgage paid off as construction loan. ; Borrower 1 Credit Report is not partially present.; Finding remains open as Missing VOM for other lien paid off on final CD $334,433 Novelty Homes. All other conditions for this finding have been satisfied. ; Borrower 1 Credit Report is Partially Present. •Missing VOM for other lien paid off on final CD $334,433 Novelty Homes.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for 169 11th to support $1021.58 monthly.<br> •Missing documentation for Taxes, Insurance and/or HOA dues for 340 Lake Lane to support $558.19 monthly. | 12/30/2025 | Borrower has stable job time — Borrower has 26.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | 6191616957 |  | PennyMac<br>Loan<br>Services,<br>LLC | Calderone | 11/25/2025 | $1320800.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 26.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | 6191650229 |  | PennyMac<br>Loan<br>Services,<br>LLC | Collet | 11/21/2025 | $900000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.87 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | 8213942591 |  | High Place<br>Mortgage,<br>Inc, An<br>Arizona<br>Corporation | Place | 11/14/2025 | $1348000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300XMIOGTDKWBED4025043186<br> vs Lender value RVDPPPGHCGZ40J4VQ731821394259189<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | NonDel — we create the ULI — RVDPPPGHCGZ40J4VQ731821394259189 | 12/31/2025 | Resolved as we have received lenders ULI number. ; Resolved as we have received lenders ULI number. ; Material; Resolved as we have received lenders ULI number. ; Material | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | 8213942591 |  | High Place<br>Mortgage,<br>Inc, An<br>Arizona<br>Corporation | Place | 11/14/2025 | $1348000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/18/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | 8213942591 |  | High Place<br>Mortgage,<br>Inc, An<br>Arizona<br>Corporation | Place | 11/14/2025 | $1348000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $211.15.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). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $211.15; 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 $211.15 is due to increase from $0.00 to $211.15 for the Collateral Desktop Analysis. The addition to the Collateral Desktop Analysis Fee on the Initial CD dated 11/6/2025 was not accepted. The file did not contain any COC or explanation as to why the fee was added. | COC provided | 12/30/2025 | Condition resolved as we have received the missing COC for the CDA fee from lender. ; Condition resolved as we have received the missing COC for the CDA fee from lender. | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | 8213942591 |  | High Place<br>Mortgage,<br>Inc, An<br>Arizona<br>Corporation | Place | 11/14/2025 | $1348000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/15/2025 or provide confirmation the lender has no affiliates. | AFB | 12/31/2025 | Condition cleared lender has not affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/02/2026 | Borrower has stable job time — Borrower has 5.88 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | 8213698365 |  | Climate<br>First Bank,<br>a Florida<br>Banking<br>Corporation | El<br>Baroudi | 10/15/2025 | $1437000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create the ULI | 12/31/2025 | Resolved as we have received lenders ULI number. ; Material; HMDA discrepancy noted: Audit ULI 254900HL2VMAYA3J5494202500366225<br> vs Lender value RVDPPPGHCGZ40J4VQ731821369836529<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/02/2026 | Borrower has stable job time — Borrower has 22.84 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | 8213698365 |  | Climate<br>First Bank,<br>a Florida<br>Banking<br>Corporation | El<br>Baroudi | 10/15/2025 | $1437000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 09/03/2025 or provide confirmation the lender has no affiliates. | AfbD | 12/31/2025 | Resolved as we have received lenders attestation for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/02/2026 | Borrower has stable job time — Borrower has 22.84 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | 8213698365 |  | Climate<br>First Bank,<br>a Florida<br>Banking<br>Corporation | El<br>Baroudi | 10/15/2025 | $1437000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy noted.<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 22.84 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 41.06% is less than Guideline LTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 41.06% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 35.02% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | 6191663289 |  | PennyMac<br>Loan<br>Services,<br>LLC | Moore | 11/19/2025 | $912000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/21/2025 | Borrower has stable job time — Borrower has 10.56 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | 6691656410 |  | Answer<br>Home<br>Lending | Nelson | 11/14/2025 | $932000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please provide HMDA discrepancies. Thank you | 01/12/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.; HMDA data received, additional discrepancy noted.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | 6691656410 |  | Answer<br>Home<br>Lending | Nelson | 11/14/2025 | $932000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing lenders ULI number, AND lenders Loan Originators NMLS ID. ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | HMDA | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 11.27 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | 6691650598 |  | West<br>Capital<br>Lending,<br>Inc | Avgerinou | 11/10/2025 | $1360000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | HMDA Discrepancy | 01/08/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared. ; Material; HMDA discrepancy noted: Missing lenders ULI number AND missing lenders Loan Originators NMLS ID, ALSO missing lenders Total Loans costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | 6691650598 |  | West<br>Capital<br>Lending,<br>Inc | Avgerinou | 11/10/2025 | $1360000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Missing all pages of the final Submission to the AUS #13. | AUS | 12/31/2025 | Condition resolved as we have received the complete AUS. ; AUS is not incomplete | 01/02/2026 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | 6691650598 |  | West<br>Capital<br>Lending,<br>Inc | Avgerinou | 11/10/2025 | $1360000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy noted.<br> ; HMDA Data Tape Provided. | 12/21/2025 | Qualifying DTI below max allowed. — Calculated DTI of 28.81% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | 6191659221 |  | PennyMac<br>Loan<br>Services,<br>LLC | Zhao | 11/14/2025 | $1134000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Your exception is citing the audit value and lender value are the same amount of $10,399.53<br> With that said, the 11/14 CD signed at closing disclosed total loan costs of 10,399.53 however the total loan costs were updated on the 12/1/25 post CD at $10,299.53 | 01/09/2026 | Audit agrees with lender findings. Condition cleared. ; Audit agrees with lender findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $10399.53<br> vs Lender value $10399.53<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 4.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | 6191659221 |  | PennyMac<br>Loan<br>Services,<br>LLC | Zhao | 11/14/2025 | $1134000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). The borrower waived the 3 day timing per the Notice of Right to Receive Appraisal on page 3244, but there is no evidence they received a copy of the report at closing on 11/16/2025. Provide evidence when the report was delivered to confirm timing requirements were met. | Evidence | 12/30/2025 | Evidence of appraisal delivery provided.; Material | 01/02/2026 | Borrower has stable job time — Borrower has 4.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | 6191659221 |  | PennyMac<br>Loan<br>Services,<br>LLC | Zhao | 11/14/2025 | $1134000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added. | 12/21/2025 | Borrower has stable job time — Borrower has 4.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 30.97% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | 6691590932 |  | Nation<br>Wholesale<br>Lending | Vu | 11/07/2025 | $1110000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/21/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing lenders ULI number AMD missing lenders Loan Originators NMLS ID, ALSO missing lenders Total Loan Costs. Lender may clear finding by providing documentation to support their value. | HMDA | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loan Costs. Condition cleared. ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loan Costs. Condition cleared. ; Material | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 34.47% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.95 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | 6691590932 |  | Nation<br>Wholesale<br>Lending | Vu | 11/07/2025 | $1110000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy noted.; HMDA Data Tape Provided. | 12/21/2025 | Qualifying DTI below max allowed. — Calculated DTI of 34.47% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.95 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 79.29% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.29% is less than Guideline CLTV of 89.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3515 | Compliance | Initial<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated 10/22/2025 (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on 10/29/2025. The violation can be cured by providing the initial LE within 3 days of application date of 10/17/2025. Additional conditions may apply. |  |  | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More<br>Than<br>10%<br>Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,646.99) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $2,646.99: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 10/17/2025 as the earliest available LE is dated 10/29/2025. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. |  |  | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $11,159.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $11,159.20: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 10/17/2025 as the earliest available LE is dated 10/29/2025. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | Initial Loan Disclosures | 01/08/2026 | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Homeownership Counseling Disclosure provided to Borrower within 3 days of application date of 10/17/2025. | Initial loan disclosures | 01/08/2026 | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Lender provided evidence of receipt of the Homeownership Counseling Disclosure within 3 days of the application date. Condition cleared. ; Material | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($14,028.04) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,406.04). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1,379; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within 3 business days of the application date of 10/17/2025 as the earliest available LE is dated 10/29/2025. Please provide the initial LE issued within 3 business days of the application date. Additional testing will be completed once the initial LE is provided. | coc | 01/08/2026 | Lender provided the initial LE dated 10/22/2025. Condition cleared. ; Lender provided the initial LE dated 10/22/2025. Condition cleared.; Lender provided the initial LE dated 10/22/2025. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM confidence score of 87% is less than minimum required score of 90%. | Per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. | 01/09/2026 | Upon further review, per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. Condition cleared. ; Upon further review, per the AUS Jumbo Product Profile attached, an HVE with FSD equal to or less tan 13% is acceptable. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | 6191643933 |  | PennyMac<br>Loan<br>Services,<br>LLC | Krishnamurthy | 12/03/2025 | $1378000.00 NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided.; HMDA received — no level 3 discrepancies — condition cleared | 12/30/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.54% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 803 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 32.8% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 19.19 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | 6191660655 |  | PennyMac<br>Loan<br>Services,<br>LLC | Kotseos | 12/09/2025 | $920000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.94% is less than Guideline DTI of 50%<br> C A |

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| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | 6191629526 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Cullerot | 12/05/2025 | $999998.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/19/2025 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $54.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $54.80; 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 $54.80 is due to the increase of the credit report fee on the LE dated 11/17/2025 without valid COC. | COC | 01/08/2026 | Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. ; Lender provided a valid COC for the increase in the Credit Report fee of $54.80. Condition cleared. | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | 6191629526 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Cullerot | 12/05/2025 | $999998.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing 2024 W2 for prior job with Therma Tru. DU approval requires YTD paystub and W2s from 2024. | W2 | 01/09/2026 | Lender provided the 2024 W2 for prior position with Therma Tru. Condition cleared. ; Lender provided the 2024 W2 for prior position with Therma Tru. Condition cleared. ; Income and Employment Meet Guidelines | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | 6191629526 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Cullerot | 12/05/2025 | $999998.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 4 Does Not Meet Guideline Requirements Missing Final signed/certified copy of CD or HUD 1 for sale of property at 104 Pearl St with seller proceeds of $486,849.50. Additional conditions may apply. | Final CD | 01/09/2026 | Lender provided the final signed copy of the CD for sale of property at 104 Pearl St with seller proceeds of $486,849.50. Condition cleared. ; Lender provided the final signed copy of the CD for sale of property at 104 Pearl St with seller proceeds of $486,849.50. Condition cleared. ; Asset 4 Meets Guideline Requirements Or Not Applicable | 01/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | 6191629526 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Cullerot | 12/05/2025 | $999998.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMD data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 12/30/2025 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.52% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.52% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 50<br> Qualifying DTI below max allowed. — Calculated DTI of 33.16% is less than Guideline DTI of 50%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | 6191605140 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chew | 11/28/2025 | $969000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1173 | Credit | HO6 Master<br>Insurance<br>Policy is<br>Missing | Missing HO-6 Master Insurance Policy Provide HO-6 Master Insurance Policy | That is incorrect. A Master policy is NOT required in this scenario. Per the Appraisal, this is a Individual DETACHED Condo with 4 units ONLY. Sufficient Homeowners insurance covers the property. There is no Master policy; This is a 4 unit condo. Per the condo questionnaire reach owner is responsible for their own insurance. | 01/15/2026 | Upon further review, per the Appraisal, this is a Individual detached Condo with 4 units only. There is no master policy. Condition cleared.; HO-6 Master Insurance Policy is fully present; Audit reviewed the lender's response. Please provide the Master insurance policy for the condominium. Condition retained. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 738 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.17 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74.54% is less than Guideline LTV of 89.99%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | 6191605140 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chew | 11/28/2025 | $969000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 738 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 3.17 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.54% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74.54% is less than Guideline LTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/19/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application | Affiliated Business Disclosure | 01/13/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Rescinded | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing proof of 1st rent check,$5,000 deposit for rental on former primary residence at 226 Saffron. Also provide processor's cert that lease agreement is only one page. (Unusual for a rental agreement.) Additional conditions may apply. | 1. Per FNMA B3-3.1-08 > Lease Agreements, Form 1007 or Form 1025: When using a lease agreement, it must be supported by a 1007 OR evidence the terms have gone into effect. The file contains a 1007 so verification of the security deposit is not required.<br> 2. The lease agreement is labeled as page 1 of 1. I'm not sure what value a processor's cert would provide. | 01/08/2026 | Audit reviewed Lender's response and has determined the 1007 supporting the rental income calculated by Lender is in the loan file. Condition rescinded.; Income and Employment Meet Guidelines | 01/09/2026 | D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at 226 Saffron. Additional conditions apply. | HOA | 01/08/2026 | Lender provided verification of HOA fees for 226 Saffron Ct. Condition cleared. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Your finding is incomplete — what values from what document are you referring to? | 01/09/2026 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Material; HMDA discrepancy noted: Audit value (column D) vs Lender value (column C), Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.<br> ; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Material; HMDA discrepancy noted: Audit value (column D) vs Lender value (column C), Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE9184 | Credit | ULI<br>Number on<br>URLA does<br>not match<br>ULI<br>Number<br>provided by<br>the Lender | The ULI Number on URLA ([ULI]) was not provided on the final 1003. | ULI | 01/08/2026 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731821396935710. Condition cleared.; Material | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | 8213969357 |  | Exclusive<br>Mortgage<br>Company | Cray<br>IV | 11/07/2025 | $1264000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA report. | Please see HVE attached. Per AUS Jumbo Guidelines, an HVE is an acceptable secondary value product. | 01/08/2026 | Lender provided HVE supporting appraisal value with FSD score of 3%. Condition cleared.; Third party valuation product provided within tolerance. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.62 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | 6191699711 |  | PennyMac<br>Loan<br>Services,<br>LLC | Vlahos | 12/03/2025 | $875000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of 42.33% exceeds AUS DTI of 39% The DTI calculated does not match the AUS, 47.77 or the 1008, 57.227 in file. Liabilities on the credit report do match the final 1003 and the rental loss matches the 1003 and tax returns. | You have indicated that the Other Liabilities are $2254. It appears you are including VW C redit #8998 in the amount of $697. However, per the credit report there are fewer than 10 payments remaining. It is not a lease, therefore the payment should not be included. ; Liabilities $10,296.24 / income $25,970 = 39.647%. The difference is 2.683%. If you want the LPA to be rerun, please tell me specifically what numbers you'd like to see so I can give direction to our underwriter. Thanks!; LPA submission #8 DTI 39.647, audited DTI 42.33%<br> 2.683% difference within tolerance. | 01/26/2026 | Upon further review, VW Credit #8998 in the amount of $697, per the credit report, there are fewer than 10 payments remaining. Condition cleared. ; Audited DTI of 39.65% is less than or equal to AUS DTI of 39.65%; Audit calculations are as follows: Primary: $7,047.98, Other Liabilities: $2,254.00, Net Rental Loss REO Total: $1,691.26. Total Liabilities: $10,993.24. Borrower Income: $25,970.00. DTI: 42.3305%. DTI per LP 39% which exceeds by more than 3%. Please provide a revised AUS. Condition retained. ; Audited DTI of 42.33% exceeds AUS DTI of 39% by 3.33%. Please provide a revised AUS. Condition retained. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.23% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.23% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 26.94 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | 6191699711 |  | PennyMac<br>Loan<br>Services,<br>LLC | Vlahos | 12/03/2025 | $875000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.23% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.23% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 26.94 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | 6191683578 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stevenson | 12/05/2025 | $1012000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE5774 | Credit | Borrower<br>1 Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation for Taxes, insurance and or HOA for 951 NE Mountain View to support $115.04 | Please see attached | 01/09/2026 | Lender provided evidence of taxes in the amount of $115.04. No lien/ insurance on the property. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided evidence of taxes in the amount of $115.04. No lien/ insurance on the property. Condition cleared. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 33.46% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 10.94 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | 6191683578 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stevenson | 12/05/2025 | $1012000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying DTI below max allowed. — Calculated DTI of 33.46% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 10.94 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | 6191691416 |  | Pennymac<br>Loan<br>Services,<br>LLC | Menne | 12/04/2025 | $1064000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 4.77 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.7% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | 6191674629 |  | PennyMac<br>Loan<br>Services,<br>LLC | Schellhaas | 12/01/2025 | $920000.00 | LA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage<br>is LESS<br>than the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($700000) is insufficient, not meeting the required coverage amount of ($736000). | REC, HOI | 01/09/2026 | Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared.<br> ; Lender provided the replacement cost estimator showing sufficient coverage. Condition cleared.<br> ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/12/2026 | Borrower has stable job time — Borrower has 13.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.38% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | 6191674629 |  | PennyMac<br>Loan<br>Services,<br>LLC | Schellhaas | 12/01/2025 | $920000.00 | LA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 13.14 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 28.38% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 805 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | 6191699291 |  | Pennymac<br>Loan<br>Services,<br>LLC | Johns | 12/10/2025 | $940000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: Provide evidence borrower received a copy of the appraisal. | Appraisal Delivery | 01/08/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.27 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | 6191699291 |  | Pennymac<br>Loan<br>Services,<br>LLC | Johns | 12/10/2025 | $940000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of $925000 is Less than Total Amount of Subject Lien $940000 Provide Title Coverage Amount of Subject Lien $940000 | Title Policy | 01/09/2026 | Title Coverage Amount of $940,000.00 is equal to or greater than Total Amount of Subject Lien $940,000.00 Condition cleared. ; Title Coverage Amount of $940,000.00 is equal to or greater than Total Amount of Subject Lien $940,000.00 Condition cleared. ; Title Coverage Amount of $940000 is equal to or greater than Total Amount of Subject Lien $940000; Material | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.27 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | 6191699291 |  | Pennymac<br>Loan<br>Services,<br>LLC | Johns | 12/10/2025 | $940000.00 | VA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 813 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 35.33% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 9.27 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Acknowledged | FCOM1323 | Compliance | Temporary<br>Buydown<br>Agreement<br>is Partially<br>Provided | File contains a temporary buydown agreement. Pending investor approval. Additional conditions may apply |  |  | Investor acknowledges exception. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Additional conditions may apply. | CA please review this condition, it meets guideline requirements ; SSR's; Invalid — LCA 2.5 CU 2.1 per the UCDP's already provided | 02/03/2026 | Upon further review, a secondary valuation is not required if CU/LCA is less than 2.5. Lender provided the UCDP with a CU/LCA of 2.1. Condition cleared.<br> ; Third party valuation product provided within tolerance.; Audit reviewed Lender's response and has determined the UCDP was not provided and not found in file to verify the risk score to determine if a Third Party Valuation is required. Condition retained. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Most recent AUS in file is missing the last 2 pages. Please provide the complete AUS to confirm sufficient reserves. Additional conditions may apply. | AUS | 01/08/2026 | Lender provided all pages to AUS results. Condition cleared.; AUS is not incomplete Lender provided all pages to AUS results. Condition cleared. | 02/04/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | HMDA | 01/08/2026 | Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669167577588, NMLS of 320775 and Total Loan Costs of $6,235.95. Condition cleared.; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669167577588, NMLS of 320775 and Total Loan Costs of $6,235.95. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value.; Lender provided valid ULI of RVDPPPGHCGZ40J4VQ731669167577588, NMLS of 320775 and Total Loan Costs of $6,235.95. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1328 | Credit | Borrower 1<br>W2/1099<br>Missing | Borrower 1 W2/1099 Missing. The W2's in file for 2023 and 2024 are blank. Please provide the 2 years W2's. Additional conditions may apply. | W2's | 01/08/2026 | Lender provided 2023 and 2024 W2's. Condition cleared.; Borrower 1 W2/1099 Provided | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | 6691675775 |  | Loan<br>Factory | Chen | 11/26/2025 | $966700.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of $161209.74 is Less than Total Amount of Subject Lien $966700 Title Coverage Amount of $161,209.74 is less than the total amount of the subject lien of $966,700.00.<br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Policy | 01/08/2026 | Lender provided title with coverage of $966,700.00. Condition cleared.; Title Coverage Amount of $966700 is equal to or greater than Total Amount of Subject Lien $966700; Material | 01/09/2026 | Borrower has stable job time — Borrower has 4.79 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.23% is less than Guideline DTI of 50%<br> D B A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | 6691669931 |  | E<br>Mortgage<br>Capital<br>Inc | Shim | 11/28/2025 | $1905000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ALL of this documentation was already provided to you — if the tape is blank, then use the source documents — Total Loan Cost 9574.70 — per the FInal CD already provided — NMLS — 1392343 — ULI on final 1003 — RVDPPPGHCGZ40J4VQ7316691666993163 | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Material; HMDA discrepancy noted: Missing lenders ULI number, ALSO missing lenders NMLS ID, ALSO missing lenders Total Loan Costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.71% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.71% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 9.42 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 31.51% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 750 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | 6691669931 |  | E<br>Mortgage<br>Capital<br>Inc | Shim | 11/28/2025 | $1905000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.71% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.71% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 9.42 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 31.51% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 750 is greater than Guideline minimum FICO of 720<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | 6191665595 |  | PennyMac<br>Loan<br>Services,<br>LLC | Taylor | 11/26/2025 | $1516000.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree — 8060.49 | 01/09/2026 | Lender agrees with audit findings. Condition cleared.<br> ; Lender agrees with audit findings. Condition cleared.<br> ; Material; HMDA discrepancy noted: Audit value Total loan costs $8060.49 vs Lender value $5111.49, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of 37.34% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 20.58 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | 6191665595 |  | PennyMac<br>Loan<br>Services,<br>LLC | Taylor | 11/26/2025 | $1516000.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/30/2025 | Qualifying DTI below max allowed. — Calculated DTI of 37.34% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 20.58 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | 8214005943 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Nguyen | 11/21/2025 | $990000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | That is incorrect. A secondary valuation is not required if CU/LCA is less than 2.5; Invalid — CU score 1 | 01/14/2026 | Upon further review, a secondary valuation is not required if CU/LCA is less than 2.5. Lender provided the UCDP with a CU/LCA of 1. Condition cleared. ; Third party valuation product provided within tolerance.; Audit reviewed the lender's response. According to the Pennymac Correspondent AUS Jumbo Product Profile: 08.18.25 All single appraisal transactions (purchase and refinance) must have a secondary valuation assessment completed prior to the note date. Condition retained. | 01/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | 8214005943 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Nguyen | 11/21/2025 | $990000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCOM1233 | Credit | The Final<br>1003 is<br>Incomplete | The Final 1003 is Incomplete The final 1003 does not show any assets under section 2b, however, asset documentation is in the file. Please provide a revised AUS. Additional conditions may apply. | You findings is contradicting — Do you need a new AUS or 1003. Either one should not be a requirement — Borrowers funds to close is 463.50 a new AUS is not required nor is a 1003 | 01/09/2026 | Audit reviewed the lender's response. No assets are listed on the 1003, however sufficient asset documentation are in the file. Condition cleared. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | 8214005943 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Nguyen | 11/21/2025 | $990000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create ULI | 01/09/2026 | Lender provided documentation to support their value. RVDPPPGHCGZ40J4VQ731821400594356. Condition cleared. ; Lender provided documentation to support their value. RVDPPPGHCGZ40J4VQ731821400594356. Condition cleared. ; Material; HMDA discrepancy noted: Audit ULI 549300CSPE70WIF4Z9222510000654BRW94<br> vs Lender value RVDPPPGHCGZ40J4VQ731821400594356<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | 8214005943 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Nguyen | 11/21/2025 | $990000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.95% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.49% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 768 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | 6191667401 |  | PennyMac<br>Loan<br>Services,<br>LLC | Low | 12/03/2025 | $2000000.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.14% is less than Guideline LTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 30.39% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.14% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 11.27 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | 6191520083 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wang | 12/03/2025 | $1050714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA | Incorrect — we go through this with every JUMBO trade — We do not require a third party valuation if the CU score is less than 2.5 and we do not require a CDA when we do require a third party valuation; Invalid — CU score 1 | 01/14/2026 | Upon further review, a third party valuation is not required if the CU score is less than 2.5. Condition cleared. ; Upon further review, a third party valuation is not required if the CU score is less than 2.5. Condition cleared. ; Transaction is the purchase of a primary residence. Please provide the CDA. Additional conditions may apply. Condition retained. | 01/21/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | 6191520083 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wang | 12/03/2025 | $1050714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $14.85.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $14.85; 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 $14.85 is due to increase from $1,430.00 to $1,444.85 for the transfer taxes on LE 10/23/2025 without a COC. | COC | 01/09/2026 | Lender provided a valid COC for the increase in transfer taxes. Condition cleared. ; Lender provided a valid COC for the increase in transfer taxes. Condition cleared. ; Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | 6191520083 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wang | 12/03/2025 | $1050714.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(prior to<br>consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. The final revised loan estimate and Initial Closing disclosure were both issued 11/06/2025 which is not allowed. Further clarification is needed. |  |  | Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | 6191520083 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wang | 12/03/2025 | $1050714.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | finding-<br>4001 | Compliance | TRID<br>Disclosure<br>Delivery<br>Date<br>Validation<br>Test | This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. The final revised loan estimate and Initial Closing disclosure were both issued 11/06/2025 which is not allowed. Further clarification is needed. |  |  | Resolved | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | 6191520083 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wang | 12/03/2025 | $1050714.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | We agree — 5115.50 | 01/09/2026 | Lender agrees with audit findings. Condition cleared. ; Material; HMDA discrepancy noted: Audit Total loan costs $5115.50 vs Lender value $4231.50, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | 6191520083 |  | PennyMac<br>Loan<br>Services,<br>LLC | Wang | 12/03/2025 | $1050714.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 6.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | 6691681342 |  | Barrett<br>Financial<br>Group,<br>L.L.C. | Ciutac | 12/03/2025 | $1450000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | If the HMDA data is missing from the tape, then use the source documents — all of this information was already provided in the file submission — FINAL CD = Total Loan Cost — 72,279.70; NMLS — 200841; Final 1003 ULI = RVDPPPGHCGZ40J4VQ731669168134271 | 01/09/2026 | Lender provided the ULI number, Loan Originators NMLS ID, and Total Loans costs. Condition cleared.<br> ; Material; HMDA discrepancy noted: Missing lenders ULI number, AND missing lenders NMLS ID., ALSO missing lenders Total Loan costs. Lender may clear finding by providing documentation to support their value. | 01/12/2026 | Borrower has stable job time — Borrower has 3.58 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 49.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.15% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | 6691681342 |  | Barrett<br>Financial<br>Group,<br>L.L.C. | Ciutac | 12/03/2025 | $1450000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 3.58 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 49.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.15% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | 6191679982 |  | PennyMac<br>Loan<br>Services,<br>LLC | Jackson | 12/03/2025 | $1773024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. •Missing VOM / Mtg statement for 8,33 Rosendale to support $581.01 monthly.<br> •Missing documentation of taxes, insurance and or HOA for 8,33 Rosendale to support $845.86 monthly. | Please see payment history for 8,33 Rosendale; Re 8,33 Rosendale: Please see taxes and insurance attached. I am still working on the VOM. | 01/14/2026 | Lender provided the payment history for 8,33 Rosendale. Condition cleared. ; Lender provided the payment history for 8,33 Rosendale. Condition cleared. ; Lender provided the verification of taxes, insurance and or HOA for 833 Rosendale to support $845.86 monthly. Please provide the VOM or mortgage statement. Condition retained. | 01/15/2026 | Borrower has stable job time — Borrower has 10.16 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | 6191679982 |  | PennyMac<br>Loan<br>Services,<br>LLC | Jackson | 12/03/2025 | $1773024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/24/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM previously provided — previous instructions sent to allow for the Pennymac waterfall — AVM's are acceptable | 01/09/2026 | Lender provided the HVE with a value of $4,099,760.00 and an FSD score of 12%. Condition cleared. ; Lender provided the HVE with a value of $4,099,760.00 and an FSD score of 12%. Condition cleared. | 01/12/2026 | Borrower has stable job time — Borrower has 10.16 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | 6191679982 |  | PennyMac<br>Loan<br>Services,<br>LLC | Jackson | 12/03/2025 | $1773024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/24/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 12/30/2025 | Borrower has stable job time — Borrower has 10.16 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.2% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.2% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.31% is less than Guideline DTI of 50%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | 8214128545 |  | Adelo<br>Mortgage,<br>Inc | Herren | 11/17/2025 | $1540000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821412854574 | 01/14/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.47 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | 8214128545 |  | Adelo<br>Mortgage,<br>Inc | Herren | 11/17/2025 | $1540000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided does not confirm when the borrower received the appraisal. Provide evidence that a copy of the appraisal was sent to the consumer on or before consummation date of 11/17/25. | Appraisal Delivery | 01/12/2026 | Lender provided evidence the appraisal was sent to the consumer on or before consummation date of 11/17/25. Condition cleared. ; Lender provided evidence the appraisal was sent to the consumer on or before consummation date of 11/17/25. Condition cleared. ; Material | 01/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.47 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | 8214128545 |  | Adelo<br>Mortgage,<br>Inc | Herren | 11/17/2025 | $1540000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of 21.81% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 9.47 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | 8214031811 |  | Juniper<br>Financial,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Guevarra | 11/20/2025 | $880000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Loan purpose No Cash-Out Refi, ULI is RVDPPPGHCGZ40J4VQ731821403181152 | 01/14/2026 | Lender provided the loan purpose No Cash-Out Refi, and ULI. Condition cleared. ; HMDA discrepancy noted: Missing lenders HMDA Loan Purpose, ALSO missing lenders ULI number. Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Material | 01/15/2026 | Borrower has stable job time — Borrower has 3.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | 8214031811 |  | Juniper<br>Financial,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Guevarra | 11/20/2025 | $880000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 3.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | 8214031811 |  | Juniper<br>Financial,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Guevarra | 11/20/2025 | $880000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date 10/24/25 or provide confirmation the lender has no affiliates. | No Affiliates | 01/09/2026 | Lender provided a signed attestation of no Affiliates. Condition cleared.; Lender provided a signed attestation of no Affiliates. Condition cleared.; Material | 01/12/2026 | Borrower has stable job time — Borrower has 3.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 765 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | 8213659013 |  | Gum Tree<br>Mortgage, A<br>Mississippi<br>Limited<br>Liability<br>Company | Burggraf | 11/24/2025 | $1160000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application 09/17/2025. | Affiliated Business Disclosure | 01/12/2026 | Required Affiliated Business Disclosure Documentation Provided; ; Lender provided a signed attestation of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Missing; Lender provided a signed attestation of no Affiliates. Condition cleared.<br> ; Lender provided a signed attestation of no Affiliates. Condition cleared.<br> ; Material | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | 8213659013 |  | Gum Tree<br>Mortgage, A<br>Mississippi<br>Limited<br>Liability<br>Company | Burggraf | 11/24/2025 | $1160000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 91137, Loan Purpose Purchase, lenders ULI number RVDPPPGHCGZ40J4VQ731821365901336 | 01/14/2026 | ; Received ULI.; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, AND missing lenders Loan Purpose, AND missing lenders ULI number. Lender may clear finding by providing documentation to support their value.; Material | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | 8213659013 |  | Gum Tree<br>Mortgage, A<br>Mississippi<br>Limited<br>Liability<br>Company | Burggraf | 11/24/2025 | $1160000.00 | MT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/26/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 727 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 34.85% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | 8213981815 |  | Flat Branch<br>Mortgage<br>Inc., a<br>Missouri<br>Corporation | Worley | 11/19/2025 | $1200000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA review complete. | 01/15/2026 | Borrower has stable job time — Borrower has 32.67 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 25.96% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | 8213976016 |  | Embrace<br>Home<br>Loans, Inc | Buckley | 11/14/2025 | $896000.00 | RI | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 26.06% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 7.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 | 8214070799 |  | American<br>Liberty<br>Mortgage,<br>Incorporated,<br>a<br>Corporation | Campbell | 11/19/2025 | $1118706.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; | 01/15/2026 | Borrower has stable job time — Borrower has 13.48 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 785 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.81% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.81% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | 8213991598 |  | BankSouth<br>Mortgage<br>Company,<br>LLC | Mauser | 11/20/2025 | $1887337.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID is 1660344. Please review the uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 5.09 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | 8213991598 |  | BankSouth<br>Mortgage<br>Company,<br>LLC | Mauser | 11/20/2025 | $1887337.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 5.09 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | 8213991598 |  | BankSouth<br>Mortgage<br>Company,<br>LLC | Mauser | 11/20/2025 | $1887337.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date 10/22/25 or provide confirmation the lender has no affiliates. | ABD | 01/09/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Provide Affiliated Business Disclosure dated within 3 days of application date 10/22/25 or provide confirmation the lender has no affiliates. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 5.09 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.26% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.26% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | 8213977832 |  | Taylor<br>Morrison<br>Home<br>Funding,<br>Inc., a<br>Corporation | Church | 11/25/2025 | $946750.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | 8213977832 |  | Taylor<br>Morrison<br>Home<br>Funding,<br>Inc., a<br>Corporation | Church | 11/25/2025 | $946750.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID is 267112. Please review uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | 8214013824 |  | MK<br>Lending<br>Corp, a<br>Corporation | Shiraz | 11/03/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID is 140443. Please review the uploaded 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 7.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | 8214013824 |  | MK<br>Lending<br>Corp, a<br>Corporation | Shiraz | 11/03/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/10/2025 or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure | 01/12/2026 | Lender provided the affiliated business disclosure. Condition cleared. ; Lender provided the affiliated business disclosure. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/10/2025 or provide confirmation the lender has no affiliates. | 01/13/2026 | Borrower has stable job time — Borrower has 7.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | 8214013824 |  | MK<br>Lending<br>Corp, a<br>Corporation | Shiraz | 11/03/2025 | $1300000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/27/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 7.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 767 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 56.52% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 56.52% is less than Guideline LTV of 80%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | 8214094025 |  | Alameda<br>Mortgage<br>Corporation | Kao | 11/18/2025 | $2200000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 1471655 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 3.88 years on job. C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | 8214094025 |  | Alameda<br>Mortgage<br>Corporation | Kao | 11/18/2025 | $2200000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 3.88 years on job. C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | 8214094025 |  | Alameda<br>Mortgage<br>Corporation | Kao | 11/18/2025 | $2200000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/31/2025 or provide confirmation the lender has no affiliates. | ABD | 01/09/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material | 01/12/2026 | Borrower has stable job time — Borrower has 3.88 years on job. C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | 8214068971 |  | First<br>Palmetto<br>Bank, a<br>State<br>Bank | Siomacco<br>III | 11/25/2025 | $941000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Cured | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | na This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  |  | 02/03/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | 8214068971 |  | First<br>Palmetto<br>Bank, a<br>State<br>Bank | Siomacco<br>III | 11/25/2025 | $941000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $50.00; 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 $50.00 is due to increase from $550 to $600 for the appraisal fee from LE 10/29/2025 to LE 11/12/2025. The COC dated 11/12/2025 was not accepted because it did not provide a valid reason for the increase. | cure; Copy of refund, LOE and Post CD; COC | 01/26/2026 | Lender provided the PCCD, LOE, cure in the amount of 50.00, and evidence of delivery. Loan will be graded a B. ; Lender provided the PCCD, LOE, cure in the amount of 50.00, and evidence of delivery. Loan will be graded a B. ; Escalated to our compliance team for review. | 01/27/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | 8214068971 |  | First<br>Palmetto<br>Bank, a<br>State Bank | Siomacco<br>III | 11/25/2025 | $941000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | LO NMLS: 290125 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | 8214068971 |  | First<br>Palmetto<br>Bank, a<br>State Bank | Siomacco<br>III | 11/25/2025 | $941000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 10.19 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 29.1% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.9% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.9% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | 8214128499 |  | Taylor<br>Morrison<br>Home<br>Funding,<br>Inc., a<br>Corporation | Wang | 11/12/2025 | $1695135.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $100.00; 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 $100.00 is due to the addition of a Concurrent Loan Fee paid to the lender affiliate on the revised LE dated 10/10/2025. COC in file dated 10/9/2025 does not address the addition of the fee and is considered invalid. Please provide a valid COC or cure package. | COC | 01/13/2026 | Condition resolved as we have received the valid COC from lender for concurrent loan closing fee. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.05 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | 8214128499 |  | Taylor<br>Morrison<br>Home<br>Funding,<br>Inc., a<br>Corporation | Wang | 11/12/2025 | $1695135.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 1107529 , reflected on the 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.05 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | 8214128499 |  | Taylor<br>Morrison<br>Home<br>Funding,<br>Inc., a<br>Corporation | Wang | 11/12/2025 | $1695135.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 31.95% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.05 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | 8214056086 |  | Legacy<br>Home<br>Loans, LLC<br>dba<br>Steadfast<br>Mortgage, a<br>Limited<br>Liability<br>Company | Spirko | 11/25/2025 | $1183200.00 | TN | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 383105, on 1003 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.13% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | 8214056086 |  | Legacy<br>Home<br>Loans, LLC<br>dba<br>Steadfast<br>Mortgage, a<br>Limited<br>Liability<br>Company | Spirko | 11/25/2025 | $1183200.00 | TN | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 33.13% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | 8214131864 |  | Homeowners<br>Financial<br>Group USA,<br>LLC | Chermack | 11/21/2025 | $1450080.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE5774 | Credit | Borrower 1<br>Credit<br>Report is<br>Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation to support PITIA in the amount of $1582 for 2864 North Fairview. | Required docs provided | 01/13/2026 | Lender provided documentation to support PITIA in the amount of $1582 for 2864 North Fairview. Condition cleared. ; Lender provided documentation to support PITIA in the amount of $1582 for 2864 North Fairview. Condition cleared. ; Borrower 1 Credit Report is Partially Present. Missing documentation to support PITIA in the amount of $1582 for 2864 North Fairview. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | 8214131864 |  | Homeowners<br>Financial<br>Group USA,<br>LLC | Chermack | 11/21/2025 | $1450080.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | r NMLSR ID# 2307841, reflected on 1003 | 01/14/2026 | Lender provided the lenders NMLSR ID. Condition cleared. ; Lender provided the lenders NMLSR ID. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | 8214131864 |  | Homeowners<br>Financial<br>Group USA,<br>LLC | Chermack | 11/21/2025 | $1450080.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 15.09% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | 8214133037 |  | Mountain<br>America<br>Federal<br>Credit Union | Earwood | 11/24/2025 | $1020000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 2056293, provided on 1003 | 01/14/2026 | Lender provided the NMLSR ID# 2056293. Condition cleared.; Lender provided the NMLSR ID# 2056293. Condition cleared. ; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 21.67 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | 8214133037 |  | Mountain<br>America<br>Federal<br>Credit Union | Earwood | 11/24/2025 | $1020000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/29/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 11/03/2025 or provide confirmation the lender has no affiliates. | AfbD | 01/13/2026 | Required Affiliated Business Disclosure Documentation Provided. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided. Condition cleared. ; Material; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 11/03/2025 or provide confirmation the lender has no affiliates. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 21.67 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | 8214133037 |  | Mountain<br>America<br>Federal<br>Credit Union | Earwood | 11/24/2025 | $1020000.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 16.38% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 21.67 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | 8213932082 |  | First<br>American<br>Wholesale<br>Lending<br>Corp, a<br>California<br>Corporation | Dammers | 11/17/2025 | $1500000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | ULI is RVDPPPGHCGZ40J4VQ731821393208291 | 01/16/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 47.62% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.62% is less than Guideline CLTV of 75%<br> Borrower has stable job time — Borrower has 3.64 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | 8213932082 |  | First<br>American<br>Wholesale<br>Lending<br>Corp, a<br>California<br>Corporation | Dammers | 11/17/2025 | $1500000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 47.62% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 47.62% is less than Guideline CLTV of 75%<br> Borrower has stable job time — Borrower has 3.64 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | 8213934127 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Madain | 11/19/2025 | $909200.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 21.4% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.51% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 50.51% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 2.97 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | 8213934127 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Madain | 11/19/2025 | $909200.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCOM2002 | Compliance | Disclosed<br>Escrow is<br>Not<br>Accurate on<br>Final CD<br>and/or<br>PCCD | Disclosed Escrow is Not Accurate on Final CD and/or PCCD Please complete the Escrow Property Costs over 1 year on the final CD as well as the PCCD. Currently the figure on page 4 of 5 on the CD's is blank. | PCCD | 01/14/2026 | Condition cleared as we have received the updated CD with escrow costs listed. ; Disclosed Escrow is Accurate on Final CD and PCCD; Material Finding | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 21.4% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.51% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 50.51% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 2.97 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | 6191699722 |  | Pennymac<br>Loan<br>Services,<br>LLC | Scangarella | 12/02/2025 | $1390000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid request — HVE was uploaded and is on pages 835-836 of the Original Loan Bookmarks; Invalid request — AVM provided and is acceptable — CDA is not required | 01/21/2026 | HVE is acceptable, as its a PNMAC product. Condition cleared.; Pending response from the rating agencies regarding HVE. Condition retained. ; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 02/03/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | 6191699722 |  | Pennymac<br>Loan<br>Services,<br>LLC | Scangarella | 12/02/2025 | $1390000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Incomplete copy of DU approval. Latest is # 17 12/1/2025 6:24pm. Multiple pages are missing. Subject to complete review of entire copy of approval and all conditions and ratios. | Complete AUS | 01/09/2026 | Lender provided a complete copy of the AUS. Condition cleared. ; Lender provided a complete copy of the AUS. Condition cleared. ; AUS is not incomplete | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | 6191699722 |  | Pennymac<br>Loan<br>Services,<br>LLC | Scangarella | 12/02/2025 | $1390000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731619169972278. Please review the uploaded Final 1003 | 01/20/2026 | Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agrees with audit findings. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | 6191699722 |  | Pennymac<br>Loan<br>Services,<br>LLC | Scangarella | 12/02/2025 | $1390000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | 6191699722 |  | Pennymac<br>Loan<br>Services,<br>LLC | Scangarella | 12/02/2025 | $1390000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(prior to<br>consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. There is no evidence of receipt for LE 11/24/2025 therefore it is considered mail rule. Provide evidence when the LE was received to determine if timing requirements were met. | LE delivery | 01/12/2026 | Lender provided evidence of receipt of the LE dated 11/24/25. Condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | 6191699722 |  | Pennymac<br>Loan<br>Services,<br>LLC | Scangarella | 12/02/2025 | $1390000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1316 | Credit | Borrower<br>1 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide third party Verification of Mark Scangarella Painting as required. | Invalid request — VOE's are not required for employment with negative income | 01/09/2026 | Upon further review, VOE's are not required for businesses showing a loss. Condition Cleared. ; Upon further review, VOE's are not required for businesses showing a loss. Condition Cleared. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.15% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.15% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. — Calculated DTI of 38.05% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 31.94 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | 6191674535 |  | PennyMac<br>Loan<br>Services,<br>LLC | Leasure | 11/26/2025 | $1011000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 29.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | 6191674535 |  | PennyMac<br>Loan<br>Services,<br>LLC | Leasure | 11/26/2025 | $1011000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation. | Appraisal Delivery | 01/14/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.18% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.18% is less than Guideline LTV of 80%<br> Borrower has stable job time — Borrower has 29.42 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | 8213390912 |  | Bay Capital<br>Mortgage<br>Corporation,<br>a Maryland<br>Corporation | Williams<br>III | 11/13/2025 | $1040000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/23/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report |  |  | Document Uploaded. ; Third Party Fraud Report is provided | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | 8213390912 |  | Bay Capital<br>Mortgage<br>Corporation,<br>a Maryland<br>Corporation | Williams<br>III | 11/13/2025 | $1040000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Missing evidence of Appraisal Delivery to Borrower at least 3 business days prior to loan consummation. | Appraisal receipt; COC | 01/15/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | 8213390912 |  | Bay Capital<br>Mortgage<br>Corporation, a<br>Maryland<br>Corporation | Williams<br>III | 11/13/2025 | $1040000.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 794 is greater than Guideline minimum FICO of 700 D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | 8213734969 |  | Banterra<br>Bank | Savells | 11/14/2025 | $947688.00 | KY | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM | 2nd Appraisal completed as a third party valuation | 01/15/2026 | Upon further review, the 2nd Appraisal completed as a third party valuation. Condition cleared. | 01/28/2026 | Borrower has stable job time — Borrower has 11.96 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.89% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | 8213734969 |  | Banterra<br>Bank | Savells | 11/14/2025 | $947688.00 | KY | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.96 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.89% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | 8213982634 |  | Neighborhood<br>Mortgage Inc,<br>A<br>Corporation | Lower | 11/21/2025 | $1152000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 21.58 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 32.66% is less than Guideline DTI of 45%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | 8213919368 |  | Valley<br>Mortgage,<br>Inc., a<br>Corporation | Reid | 10/31/2025 | $1160000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821391936815; NMLSR ID# 178249, provided on 1003 | 01/16/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. The NMLS ID has been resolved.<br> ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value.<br> ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. The NMLS ID has been resolved.<br> ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/20/2026 | Borrower has stable job time — Borrower has 13.51 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 23.93% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | 8213919368 |  | Valley<br>Mortgage,<br>Inc., a<br>Corporation | Reid | 10/31/2025 | $1160000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Lender provided the ULI. Condition cleared. ; HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/20/2026 | Borrower has stable job time — Borrower has 13.51 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 23.93% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | 6191696951 |  | PennyMac<br>Loan<br>Services, LLC | Adamski | 12/01/2025 | $955500.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | 6191696951 |  | PennyMac<br>Loan<br>Services,<br>LLC | Adamski | 12/01/2025 | $955500.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE6101 | Credit | Audited<br>AUS<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited AUS Interested Party Contribution of 0.16% exceeds maximum AUS interested party contribution standards of 0%. | Finding is invalid/incorrect. IPC's are allowed on JUMBO loans | 01/13/2026 | Upon further review. Interested party contributions are 6%. Condition cleared. ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 01/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | 6191696951 |  | PennyMac<br>Loan<br>Services,<br>LLC | Adamski | 12/01/2025 | $955500.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Rescinded | FCRE6100 | Credit | Audited<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited Interested Party Contribution of 0.16% exceeds interested party contribution guideline maximum of 0%. | Finding is invalid/incorrect. IPC's are allowed on JUMBO loans | 01/13/2026 | Upon further review. Interested party contributions are 6%. Condition cleared. ; Audited Interested Party Contribution of 0.16% exceeds interested party contribution guideline maximum of 0%. | 01/15/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | 6191695910 |  | PennyMac<br>Loan<br>Services,<br>LLC | Ouzts | 11/29/2025 | $954500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 31.55% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 12.79 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | 6191685698 |  | PennyMac<br>Loan<br>Services,<br>LLC | Johnson | 12/04/2025 | $856000.00 | NC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 772 is greater than Guideline minimum FICO of 700 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | 6191649175 |  | PennyMac<br>Loan<br>Services,<br>LLC | Hoffman | 11/24/2025 | $1505000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product Provided Within Tolerance. | HVE | 01/15/2026 | Third party valuation product provided within tolerance. Condition cleared. ; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | 6191649175 |  | PennyMac<br>Loan<br>Services,<br>LLC | Hoffman | 11/24/2025 | $1505000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | 6191649175 |  | PennyMac<br>Loan<br>Services,<br>LLC | Hoffman | 11/24/2025 | $1505000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE1364 | Credit | Borrower 2<br>Executed<br>4506-T<br>Missing | Borrower 2 Executed 4506-T Missing Provide Borrower 2 Executed 4506-T |  |  | Borrower 1 Executed 4506-T Provided. Condition cleared. ; Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | 6191649175 |  | PennyMac<br>Loan<br>Services,<br>LLC | Hoffman | 11/24/2025 | $1505000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE1334 | Credit | Borrower 1<br>Executed<br>4506-T<br>Missing | Borrower 1 Executed 4506-T Missing Provide Borrower 1 Executed 4506-T | 4506 | 01/13/2026 | Borrower 1 Executed 4506-T Provided. Condition cleared. ; Borrower 1 Executed 4506-T Provided. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 11.46 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 24.79% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> D A C |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | 8213903061 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Akcacakir | 11/24/2025 | $1154912.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation | Evidence of Appraisal Delivery | 01/28/2026 | Evidence of appraisal delivery provided. Condition cleared. ; Evidence of appraisal delivery provided. Condition cleared. ; Material Finding | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | 8213903061 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Akcacakir | 11/24/2025 | $1154912.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI).; Lender provided the ULI number. Condition cleared.<br> ; Lender provided the ULI number. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI — missing in loan file. Please provide Universal Loan Identifier (ULI). | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | 8213903061 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Akcacakir | 11/24/2025 | $1154912.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | 8213903061 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Akcacakir | 11/24/2025 | $1154912.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Missing all documentation and Lender income calculation to support $27,785 RSU income. Missing two year vesting schedule from Microsoft with number of shares vested, the 200 day moving average and lender income calculation. | I calculated two 200-day moving averages:<br> $118.60 as of the application date<br> $133.60 as of the date the most recent income calculation was completed<br> Based on the RSU grant, approximately 3,031.67 units are scheduled to vest over a twelve-month period.<br> Using a 200-day SMA of $118.60, the calculated annual gross income is $359,556.06, resulting in a monthly qualifying income of $29,963.01.<br> Using a 200-day SMA of $133.60, the calculated annual gross income increases to $405,031.11, resulting in a monthly qualifying income of $33,752.59.<br> Both calculations result in qualifying income amounts that exceed the income ultimately used by the underwriter of $27,785.00 | 01/21/2026 | Lender provided the documentation and Lender income calculation to support $27,785 RSU income. Two year vesting schedule from Microsoft with number of shares vested, the 200 day moving average and lender income calculation. Two 200-day moving averages: $118.60 as of the application date $133.60 as of the date the most recent income calculation was completed Based on the RSU grant, approximately 3,031.67 units are scheduled to vest over a twelve-month period. Using a 200-day SMA of $118.60, the calculated annual gross income is $359,556.06, resulting in a monthly qualifying income of $29,963.01. Using a 200-day SMA of $133.60, the calculated annual gross income increases to $405,031.11, resulting in a monthly qualifying income of $33,752.59. Both calculations result in qualifying income amounts that exceed the income ultimately used by the underwriter of $27,785.00. Condition cleared. ; Income and Employment Meet Guidelines | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 725 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | 6191681587 |  | PennyMac<br>Loan<br>Services,<br>LLC | Yun | 12/03/2025 | $910000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 786 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 50% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 2.13 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | 8214070555 |  | Sammamish<br>Mortgage<br>Company, a<br>Corporation | Sheffield | 11/13/2025 | $1119200.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NMLSR ID# 195487, provided on 1003 | 01/14/2026 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value.<br> ; Lender agreed with HMDA. Condition cleared.; Lender provided the NMLSR ID. Condition cleared. ; Lender provided the NMLSR ID. Condition cleared. ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | 8214070555 |  | Sammamish<br>Mortgage<br>Company, a<br>Corporation | Sheffield | 11/13/2025 | $1119200.00 | WA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 798 is greater than Guideline minimum FICO of 720 C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 8213900171 |  | American<br>Bancshares<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Smith | 11/12/2025 | $906500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM1266 | Compliance | Homeownership<br>Counseling<br>Disclosure Is<br>Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception. Evidence the Homeownership Counseling Disclosure was received within 3 days of the loan application | Homeownership Counseling Disclosure | 01/14/2026 | Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 8213900171 |  | American<br>Bancshares<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Smith | 11/12/2025 | $906500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure response; Affiliated Business Disclosure | 01/20/2026 | Required Affiliated Business Disclosure Documentation Provided; Provide supporting documentation confirming the Affiliated Business Disclosure was delivered within three business days of application, or document the lender has no affiliation with the settlement service providers.; Material Finding | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 8213900171 |  | American<br>Bancshares<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Smith | 11/12/2025 | $906500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage is<br>LESS than the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of ($750000) is insufficient, not meeting the required coverage amount of ($906500). The hazard insurance dwelling coverage of $750,000 is insufficient, not meeting the required coverage amount of $906,500. Missing replacement cost estimate. | RCE | 01/14/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 8213900171 |  | American<br>Bancshares<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Smith | 11/12/2025 | $906500.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE1185 | Credit | AUS Partially<br>Provided | AUS Partially Provided Missing all pages of the final AUS Submission #11 | AUS | 01/13/2026 | AUS is not incomplete | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 8213900171 |  | American<br>Bancshares<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Smith | 11/12/2025 | $906500.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 8213900171 |  | American<br>Bancshares<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Smith | 11/12/2025 | $906500.00 FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Lender NMLS — 217378<br> LO NMLS — 84117 | 01/14/2026 | ; NMLS for Lender and LO was indicated on the executed Note.; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value.<br> ; NMLS for Lender and LO was indicated on the executed Note.; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 15.3 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 766 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 74% is less than Guideline LTV of 89.99%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | 8214088549 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Ringel | 11/20/2025 | $1246400.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Resubmission to the AUS is required: The IPC of $28,975 exceeds the amount of closing costs on the PCCD of $27,869.60. The Sales Price should be reduced by the amount of excess $1105.40, which will increase the LTV/CLTV to 80.06%.<br> Guidelines allow up to 89.99% LTV/CLTV. | Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K — Please clear | 01/15/2026 | Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K; Upon further review, Total Borrower Closing Cost = 29,536.14. 27,869.60 from J + 1666.54 from K. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | 8214088549 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Ringel | 11/20/2025 | $1246400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within 3 business days of application | No affiliates | 01/14/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Material Finding | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | 8214088549 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Ringel | 11/20/2025 | $1246400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | LO NMLS 335783 | 01/14/2026 | Lender provided the NMLSR ID. Condition cleared.<br> ; Lender provided the NMLSR ID. Condition cleared.<br> ; Material; HMDA discrepancy noted: Missing evidence of lenders NMLSR ID, Lender may clear finding by providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | 8214088549 |  | Optimum<br>First Inc.,<br>A<br>California<br>Corporation | Ringel | 11/20/2025 | $1246400.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/13/2026 | Borrower has stable job time — Borrower has 3.2 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 721 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 20.8% is less than Guideline DTI of 45%<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | 6191693284 |  | PennyMac<br>Loan<br>Services,<br>LLC | Bogden | 12/01/2025 | $1222900.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 8.34 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | 6191661559 |  | Pennymac<br>Loan<br>Services,<br>LLC | Bogopulsky | 11/26/2025 | $960000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | agree with RVDPPPGHCGZ40J4VQ731619166155910 | 01/14/2026 | Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619166155910 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit findings. Condition cleared.; Lender agrees with audit findings. Condition cleared.; Material; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619166155910 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | 6191661559 |  | Pennymac<br>Loan<br>Services,<br>LLC | Bogopulsky | 11/26/2025 | $960000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700 C A |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 | 6191686222 |  | PennyMac<br>Loan<br>Services,<br>LLC | Menon | 12/02/2025 | $992000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 3.4 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 739 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | 8213966169 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Giang | 11/19/2025 | $905000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.26% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.05% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | 8213966169 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Giang | 11/19/2025 | $905000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 71.26% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.26% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 33.05% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 779 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | 8214068682 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Samek | 11/21/2025 | $1300000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821406868219 | 01/14/2026 | Lender agreed with HMDA. Condition cleared.; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender agreed with HMDA. Condition cleared.; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/15/2026 | Borrower has stable job time — Borrower has 14.53 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | 8214068682 |  | The<br>Turnkey<br>Foundation<br>Inc dba<br>Arbor<br>Financial<br>Group, a<br>California<br>Corporation | Samek | 11/21/2025 | $1300000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/31/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | Lender provided the ULI. Condition cleared. ; HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/15/2026 | Borrower has stable job time — Borrower has 14.53 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.67% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 66.67% is less than Guideline LTV of 89.99%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | 6191691196 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chalk | 12/01/2025 | $1319200.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI | 01/22/2026 | Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value.<br> ; Lender provided the ULI. Condition cleared. ; Lender provided the ULI. Condition cleared. ; Material ; HMDA discrepancy noted: Missing evidence of the ULI number, Lender may clear finding providing documentation to support their value. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.35 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | 6191691196 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chalk | 12/01/2025 | $1319200.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 13.35 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | 6191691196 |  | PennyMac<br>Loan<br>Services,<br>LLC | Chalk | 12/01/2025 | $1319200.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/02/2026 | Rescinded | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | That is incorrect — Pennymacs waterfall is to be used and this has been established and BOA agrees. Please follow our product profile water fall ; Invalid request — Per the UCDP's already provided CU score 1.4, LCA 1 — third party valuation not required | 01/21/2026 | Upon further review, the Pennymac AUS Jumbo Product Profile waterfall are to be used. Condition rescinded. ; Audit reviewed the lenders response. Subject transaction is the purchase of a primary residence. A CDA is required per investor. Condition retained. | 01/22/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1293 | Credit | Income 2<br>Months<br>Income<br>Verified is<br>Missing | Income 2 Months Income Verified is Missing Provide complete 2024 personal tax returns including all schedules for Self-Employment income analysis | From our underwriting team: The loan was escalated to the UW manager to utilize the transcripts instead of conditioning for the actual taxes since we had all the data points from the transcripts schedule C required to calculate qualifying income. There was no information missing on the transcripts for the Schedule C. There is no documentation better than the transcripts themselves. There is no Jumbo overlay to not use transcripts, so we follow FNMA policy. | 01/22/2026 | Upon further review, file contains a signed 4506C Sch C income you can use the transcripts. Since all the data points from the transcripts schedule C required to calculate qualifying income. There was no information missing on the transcripts for the Schedule C. Condition cleared. ; Per line 17 of the DU: Based on the information on the loan application, it appears that all Nicholas Hite's self-employed businesses have been in existence for at least 5 years and may be eligible to be documented with one year of personal tax returns. If any of the self-employed income is being used for qualifying purposes, the income may be supported by personal tax returns covering the most recent one-year period (including all tax schedules), provided the tax returns reflect at least 12 months of self-employment income, the borrower has 25% or greater ownership in the business for five<br> consecutive years, and the Cash Flow Analysis (Form 1084) or equivalent has been completed. Refer to the Selling Guide for additional information. Condition retained.<br> (MSG ID 3729) | 02/03/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Showing evidence that the borrowers received the appraisal at least 3 days prior to consummation, 9/10/2025, may cure the violation. | Proof; Acknowledgement of receipt of appraisal | 02/02/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the 3 days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely; Material | 02/03/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report Provide Fraud Report with OFAC cleared alerts including OFAC Check and Interested Parties Checked with Exclusionary Lists | You did not review — the document provided IS the Fraud report — I am uploading again for review ; Provided in original submission | 01/29/2026 | Lender provided the complete third party fraud report. Condition cleared. ; Third Party Fraud Report is provided; Audit reviewed the lender's response. Please provide a Third Party Fraud Report. Condition retained. | 01/30/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/26/2026 | Rescinded | finding-<br>3551 | Compliance | Post-<br>Consummation<br>Cure<br>Reimbursement<br>and Revised<br>Closing<br>Disclosure<br>Delivery Date<br>Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. |  |  | Cure package provided to the borrower prior to review; Exception resolved | 01/26/2026 | D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/26/2026 | Resolved | finding-<br>3719 | Compliance | TILA Post-<br>Consummation<br>Revised<br>Closing<br>Disclosure<br>Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,366,724.06. The disclosed finance charge of $1,365,263.52 is not considered accurate because it is understated by more than $100. This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,366,584.06. The disclosed finance charge of $1,365,263.52 is not considered accurate because it is understated by more than $100. |  |  | Cure package provided to the borrower prior to review; Exception resolved | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | finding-651 | Compliance | TILA<br>Finance<br>Charge<br>Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,366,724.06. The disclosed finance charge of $1,366,585.02 is not considered accurate because it is understated by more than $100. TILA 130b Cure Required. Refund in the amount of $139.04; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the finance charge calculation include: settlement fee ($500.00), closing protection letter ($50.00), prepaid interest ($3,049.44), flood certification ($11.50), processing fee ($750.00) and verification of employment ($150.00). Please provide fee breakdown of APR fees or cure package. | All cure docs provided in original submission | 01/22/2026 | Cure package provided to the borrower prior to review; exception resolved; Cure package provided to the borrower prior to review; exception resolved | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE1347 | Credit | Borrower<br>2 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide 3rd party VOE for borrower or CPA letter | CPA letter was provided in the original submission | 01/22/2026 | Lender provided borrower 2 3rd Party VOE. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/26/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | 8213344232 |  | Lincoln<br>Capital<br>Advisors,<br>LLC, A<br>Georgia<br>Limited<br>Liability<br>Company | Hite | 09/10/2025 | $998000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 01/19/2026 | Borrower has stable job time — Borrower has 6.39 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.44% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 65.44% is less than Guideline LTV of 80%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | 6191660944 |  | PennyMac<br>Loan<br>Services,<br>LLC | Spruill | 12/10/2025 | $1160000.00 | TX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 751 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 33.4% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 7.43 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | 8213975804 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Tarrash | 11/21/2025 | $1427433.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA |  |  | Third party valuation product provided within tolerance. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | 8213975804 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Tarrash | 11/21/2025 | $1427433.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, discrepancy finding added.<br> ; HMDA Data Tape Provided. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | 8213975804 |  | GL<br>Financial<br>Services,<br>LLC., a<br>Limited<br>Liability<br>Corporation | Tarrash | 11/21/2025 | $1427433.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821397580469, Lender NMLS ID is 70099 | 01/30/2026 | ; ULI is valid.; Material; HMDA discrepancy noted: Lender ULI is missing, ALSO HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 02/02/2026 | Borrower has stable job time — Borrower has 2.91 years on job. C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | 6191582951 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stranc | 10/21/2025 | $1288000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for<br>non-subject<br>property | Missing proof of taxes and HOA on 2198 Garfias property. Also missing taxes on 27832 St Bernard property. Additional conditions may apply. | Regarding 2198 Gafias: I googled the property and it appears to be located in an older, established neighborhood where HOA dues are unlikely. | 01/22/2026 | Lender provided evidence of taxes and Property profile showing SFR on the Garfias property. Taxes on 27832 St Bernard property. Condition cleared. ; Lender provided evidence of taxes and Property profile showing SFR on the Garfias property. Taxes on 27832 St Bernard property. Condition cleared. | 01/26/2026 | Borrower has stable job time — Borrower has 24.82 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | 6191582951 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stranc | 10/21/2025 | $1288000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/19/2026 | Borrower has stable job time — Borrower has 24.82 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | 6191706432 |  | PennyMac<br>Loan<br>Services,<br>LLC | Okino | 12/09/2025 | $1425000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/05/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 02/04/2026 | Borrower has stable job time — Borrower has 32.96 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 770 is greater than Guideline minimum FICO of 740<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | 8214022765 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Wan | 11/12/2025 | $1300000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, discrepancy finding added.<br> ; HMDA Data Tape Provided. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.41% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 53.41% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 13.29 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | 8214022765 |  | Optimum<br>First Inc., a<br>California<br>Corporation | Wan | 11/12/2025 | $1300000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731821402276530 | 01/30/2026 | ; The ULI is valid.; Material; The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300CSPE70WIF4Z922251000073285<br> vs Lender value 633584A3542946788CDE85D6AFB72007549300CSPE70WIF4Z92225100O073285<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 53.41% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 53.41% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 13.29 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | 6191694441 |  | PennyMac<br>Loan<br>Services,<br>LLC | Coy | 11/25/2025 | $1519200.00 | OR | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 21.62 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | 6191525661 |  | PennyMac<br>Loan<br>Services,<br>LLC | Shafizadeh | 11/20/2025 | $1087150.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/14/2026 | Resolved | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation needed to clear: Please provide homeownership counseling organizations disclosure dated within 3 business days of application date 08/19/25 | Homeownership Counseling Organizations Disclosure | 01/30/2026 | Lender provided the homeownership counseling organizations disclosure dated within 3 business days of application date 08/19/25. Condition cleared. ; Material | 01/30/2026 | Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.06% is less than Guideline DTI of 50%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | 6191525661 |  | PennyMac<br>Loan<br>Services,<br>LLC | Shafizadeh | 11/20/2025 | $1087150.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 11.9 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 36.06% is less than Guideline DTI of 50%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | 6191675076 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stack | 11/25/2025 | $857500.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Closed End Second — 30 yr refinance, no cash-out<br> Property value of $1,102,000 confirmed by appraisal | 01/20/2026 | Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value.; Lender agrees with audit findings. Closed End Second — 30 yr refinance, no cash-out Property value of $1,102,000 confirmed by appraisal. Condition cleared.; Material; HMDA discrepancy noted: Missing lenders Loan Purpose, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | 6191675076 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stack | 11/25/2025 | $857500.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | 6191675076 |  | PennyMac<br>Loan<br>Services,<br>LLC | Stack | 11/25/2025 | $857500.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of $850000 is Less than Total Amount of Subject Lien $857500 Lender to provide updated title coverage to reflect the minimum of loan amount of $857,500. | Title Coverage | 01/20/2026 | Lender provided the title update/supplement showing sufficient coverage. Condition cleared. ; Title Coverage Amount of $857500 is equal to or greater than Total Amount of Subject Lien $857500; Material Finding | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 778 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.81% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 23.79% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.81% is less than Guideline CLTV of 89.99%<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | 6191679723 |  | Pennymac<br>Loan<br>Services,<br>LLC | Kuo | 12/02/2025 | $2250000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That Cannot<br>Increase<br>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 $550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $550.00, cure package requires a PCCD, LOE, Copy of refund check , and Proof of Delivery or Valid COC. The 0% tolerance violation is due to the increase in the Appraisal Fee from $800.00, to $1,350.00 on the initial CD dated 11/12/2025 without a valid COC in file. Please provide a COC or cure package. | COC | 01/20/2026 | Lender provided a valid COC for the increase in the appraisal fee from $800.00 to $1,350.00. Condition cleared. ; Lender provided a valid COC for the increase in the appraisal fee from $800.00 to $1,350.00. Condition cleared. | 01/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of 27.2% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.12% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.12% is less than Guideline CLTV of 80%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | 6191679723 |  | Pennymac<br>Loan<br>Services,<br>LLC | Kuo | 12/02/2025 | $2250000.00 | FL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 27.2% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 780 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 44.12% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 44.12% is less than Guideline CLTV of 80%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | 6191670291 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Kann | 11/25/2025 | $1900000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Only part of the AUS is in the file. | Attached DU cert submission #6 appears to be complete. What do you feel is missing?; provided and accepted, two same findings | 01/15/2026 | Lender provided a complete copy of the AUS. Condition cleared. ; AUS is not incomplete; Audit reviewed the lender's response. Please provide a complete copy of the AUS. Condition maintained. | 01/16/2026 | Borrower has stable job time — Borrower has 7.75 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 26.24% is less than Guideline DTI of 45%<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | 6191670291 |  | PennyMac<br>Loan<br>Services,<br>LLC. | Kann | 11/25/2025 | $1900000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 7.75 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 26.24% is less than Guideline DTI of 45%<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | 6191686526 |  | PennyMac<br>Loan<br>Services,<br>LLC | Fahlman | 12/04/2025 | $1400000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | ULI is RVDPPPGHCGZ40J4VQ731619168652690, agree | 01/16/2026 | Lender agrees with audit findings. Condition cleared.<br> ; Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619168652690 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Lender agrees with audit findings. Condition cleared. ; Lender agrees with audit findings. Condition cleared.<br> ; Material ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI RVDPPPGHCGZ40J4VQ731619168652690 vs Lender ULI Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 10.76% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 10.44 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | 6191686526 |  | PennyMac<br>Loan<br>Services,<br>LLC | Fahlman | 12/04/2025 | $1400000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/06/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Complete — Other finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br> Qualifying DTI below max allowed. — Calculated DTI of 10.76% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 10.44 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | 6191658715 |  | PennyMac<br>Loan<br>Services,<br>LLC | Meyer | 12/17/2025 | $1399000.00 | MI | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3978 | Credit | Missing<br>Letter of<br>Explanation<br>(Credit) | Provide evidence that no new open tradelines resulted from credit inquiries on 09/10/2025 from Advantage Credit, 08/13/2025 from Rocket/Xactus and 08/12/2025 from Certified Credit | Inquiry LOE | 01/20/2026 | Lender provided evidence that no new open tradelines resulted from credit inquiries on 09/10/2025. Condition cleared. | 01/21/2026 | Borrower has stable job time — Borrower has 15.97 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | 6191658715 |  | PennyMac<br>Loan<br>Services,<br>LLC | Meyer | 12/17/2025 | $1399000.00 | MI | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 15.97 years on job.<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.65% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.65% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 760 is greater than Guideline minimum FICO of 720<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | 6191684987 |  | Pennymac<br>Loan<br>Services,<br>LLC | Brummette | 12/04/2025 | $1450000.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of 25.01% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 20.76 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 740<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | 6191631035 |  | PennyMac<br>Loan<br>Services,<br>LLC | Mccarron | 12/12/2025 | $943800.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $8,153.93.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $8,153.93; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The first zero tolerance violation in the amount of $8,078.93 is due to increase from $0.00 to $8,078.93 for the addition of the Broker Fee on the final CD dated 12/12/2025 without a valid COC in file. The second zero tolerance violation in the amount of $75.00 is due to increase from $825.00 to $900.00 for the Appraisal Fee on the revised LE dated 10/21/2025. COC in file dated 10/20/2025 does not detail a valid reason for the fee increase. Please provide valid COC's or cure package. | COC's | 01/14/2026 | Lender provided a valid COC for the increase in the appraisal fee and broker fee. Condition cleared. ; Lender provided a valid COC for the increase in the appraisal fee and broker fee. Condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 22.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 746 is greater than Guideline minimum FICO of 680<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.36% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 59.36% is less than Guideline LTV of 80%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | 6191631035 |  | PennyMac<br>Loan<br>Services,<br>LLC | Mccarron | 12/12/2025 | $943800.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | ; HMDA tape provided, no discrepancies noted condition cleared. | 02/04/2026 | Borrower has stable job time — Borrower has 22.35 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 746 is greater than Guideline minimum FICO of 680<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.36% is less than Guideline CLTV of 80%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 59.36% is less than Guideline LTV of 80%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | 6691667180 |  | Lifetime<br>Home<br>Loans LLC | Barker | 12/04/2025 | $935625.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The LCA risk score of 4 is greater than 2.5 maximum allowed. |  |  | Third party valuation product provided within tolerance. | 01/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.93 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | 6691667180 |  | Lifetime<br>Home<br>Loans LLC | Barker | 12/04/2025 | $935625.00 | UT | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/13/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 2.93 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | 8214057396 |  | TRI Pointe<br>Connect,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Cozington | 11/19/2025 | $1085024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA provided in the original submission | 01/20/2026 | Third party valuation provided within tolerance. Condition cleared.<br> ; Third party valuation product provided within tolerance. | 01/21/2026 | Borrower has stable job time — Borrower has 8.25 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | 8214057396 |  | TRI Pointe<br>Connect,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Cozington | 11/19/2025 | $1085024.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/19/2026 | Borrower has stable job time — Borrower has 8.25 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | 8213993338 |  | First<br>Alliance<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Devito | 10/30/2025 | $960000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Borrower has stable job time — Borrower has 26.11 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | 8213993338 |  | First<br>Alliance<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Devito | 10/30/2025 | $960000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/16/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Appraisal Delivery; Appraisal<br> delivery | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Borrower has stable job time — Borrower has 26.11 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | 8213993338 |  | First<br>Alliance<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Devito | 10/30/2025 | $960000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 26.11 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 773 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | 8214068227 |  | Prosperity<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Costas | 10/31/2025 | $832500.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/02/2026 | Rescinded | FCOM3813 | Credit | Purchase<br>Contract<br>does not<br>Match Final<br>CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)<br> 12 CFR 1026.38(a)(3)(vii) |  |  |  | 02/03/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | 8214068227 |  | Prosperity<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Costas | 10/31/2025 | $832500.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA Data<br>Tape Not<br>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.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA Data Tape Provided. | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | 8214068227 |  | Prosperity<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Costas | 10/31/2025 | $832500.00 GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE0382 | Credit | Assets do<br>not meet<br>guideline<br>requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing evidence of the Net proceeds form sale of property of $789,031.26 | Settlement statement from sale of departing home | 01/30/2026 | Funds are found to meet guidelines. | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75%<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | 8214068227 |  | Prosperity<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Costas | 10/31/2025 | $832500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE9995 | Credit | Audited<br>Reserves<br>are less than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $19018.59. | This should clear with verification of proceeds. | 01/30/2026 | Audited Reserves of $265498.9 are equal to or greater than AUS Required Reserves of $19018.59.; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing evidence of the Net proceeds form sale of property of $789,031.26 | 02/02/2026 | Borrower has stable job time — Borrower has 4.21 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 744 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 51.71% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 51.71% is less than Guideline CLTV of 75%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | 8214068227 |  | Prosperity<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Costas | 10/31/2025 | $832500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Rescinded | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Not required.; Not required. | 01/27/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | 8214068227 |  | Prosperity<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Company | Costas | 10/31/2025 | $832500.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Rescinded | FCRE1198 | Credit | Audited<br>Reserves<br>are less than<br>Guideline<br>Required<br>Reserves<br>(Number of<br>Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) |  |  | Rescinded as this is a duplicate finding. | 01/27/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | 8214003621 |  | First<br>Savings<br>Mortgage<br>Corporation,<br>a Virginia<br>Corporation | Keating | 10/31/2025 | $1270000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 764 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.83% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.83% is less than Guideline CLTV of 90%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | 8214003621 |  | First<br>Savings<br>Mortgage<br>Corporation,<br>a Virginia<br>Corporation | Keating | 10/31/2025 | $1270000.00 | DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 764 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 68.83% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.83% is less than Guideline CLTV of 90%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | 8214056143 |  | Advisors<br>Mortgage<br>Group, LLC | Amorim | 11/04/2025 | $1199999.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | 8214056143 |  | Advisors<br>Mortgage<br>Group, LLC | Amorim | 11/04/2025 | $1199999.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | 8214056143 |  | Advisors<br>Mortgage<br>Group, LLC | Amorim | 11/04/2025 | $1199999.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Borrower has stable job time — Borrower has 16.44 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 774 is greater than Guideline minimum FICO of 720<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | 8213976138 |  | Alerus<br>Financial,<br>N.A. dba<br>Alerus<br>Mortgage | Karley | 11/03/2025 | $940000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 47.87 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | 8213976138 |  | Alerus<br>Financial,<br>N.A. dba<br>Alerus<br>Mortgage | Karley | 11/03/2025 | $940000.00 | ND | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 810 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 47.87 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | 8214009191 |  | Legacy<br>Home<br>Loans, LLC<br>dba<br>Steadfast<br>Mortgage, a<br>Limited<br>Liability<br>Company | Brock | 11/07/2025 | $880000.00 | TN | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 26.01% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 755 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 10.27 years on job.<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | 8214035262 |  | First<br>Alliance<br>Home<br>Mortgage,<br>LLC, a<br>Limited<br>Liability<br>Corporation | Palumbo | 11/10/2025 | $2000000.00 | NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.41% is less than Guideline CLTV of 80%<br> Borrower has stable job time — Borrower has 36.25 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 23.61% is less than Guideline DTI of 720%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 64.41% is less than Guideline LTV of 80%<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | 8214038114 |  | V.I.P.<br>Mortgage,<br>Inc. | Vander<br>Velde | 11/03/2025 | $1280000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | 6191663974 |  | Pennymac<br>Loan<br>Services,<br>LLC | Brown | 12/29/2025 | $1050000.00 | DE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE1145 | Credit | Title<br>Document<br>Missing | Title Document is missing | Please review ; Please review | 02/03/2026 | Title Document is fully Present | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.34 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | 6191663974 |  | Pennymac<br>Loan<br>Services,<br>LLC | Brown | 12/29/2025 | $1050000.00 | DE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared. ; HMDA Data Tape Provided. | 02/03/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.34 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | 6191663974 |  | Pennymac<br>Loan<br>Services,<br>LLC | Brown | 12/29/2025 | $1050000.00 | DE | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Invalid — AVM provided at time of initial submission | 01/28/2026 | Third party valuation provided within tolerance. Condition cleared.<br> ; Third party valuation product provided within tolerance. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 34.53% is less than Guideline DTI of 50%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 804 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 6.34 years on job.<br> D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | 8214070643 |  | Alameda<br>Mortgage<br>Corporation | Cartwright | 11/14/2025 | $875000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.78% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.78% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | 8214070643 |  | Alameda<br>Mortgage<br>Corporation | Cartwright | 11/14/2025 | $875000.00 | GA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The file is missing the ABD from the lender. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 800 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 77.78% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.78% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 2.74 years on job.<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | 8213968697 |  | Farmers<br>Bank &<br>Trust, a<br>State<br>Bank | Ruzicka | 11/24/2025 | $1297308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>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 $150.00.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). The exception is tied to the initial CD missing a receipt date at least 3 business days prior to consummation. A valid COC was provided for the addition of the final inspection fee. | ICD delivery | 01/29/2026 | Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Lender provided evidence for the CD dated within 3 business day prior to consummation of 11/24/25. A valid COC was provided for the addition of the final inspection fee. Condition cleared. ; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained. | 02/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | 8213968697 |  | Farmers<br>Bank &<br>Trust, a<br>State<br>Bank | Ruzicka | 11/24/2025 | $1297308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>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 to clear exception: The initial CD is missing Borrower signature or other acknowledgement of receipt. The earliest CD in the loan file was issued on 11/18/2025. The violation can be cured by providing a copy of initial CD as well as evidence showing that is was received by the consumer 3 business days prior to consummation. | ICD; Initial Closing Disclosure Delivery Date | 01/30/2026 | Lender provided the tracking form confirming receipt within 5 business days prior to the 11/24/2025 consummation date. Condition cleared. ; Lender provided the tracking form confirming receipt within 5 business days prior to the 11/24/2025 consummation date. Condition cleared. ; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained.; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained. ; Audit reviewed the lender's response. Please provide the CD dated within 3 business day prior to consummation of 11/24/25. Condition retained. | 02/02/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | 8213968697 |  | Farmers<br>Bank &<br>Trust, a<br>State Bank | Ruzicka | 11/24/2025 | $1297308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The ABD from the lender is missing. | Affiliated Business | 01/29/2026 | Lender provided an attestation of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/30/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | 8213968697 |  | Farmers<br>Bank &<br>Trust, a<br>State Bank | Ruzicka | 11/24/2025 | $1297308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | 8213968697 |  | Farmers<br>Bank &<br>Trust, a<br>State Bank | Ruzicka | 11/24/2025 | $1297308.00 | MO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 72.27% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.27% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 12.91 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 789 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | 8213664003 |  | The Central<br>Trust Bank,<br>a Banking<br>Institution | Ginder | 10/15/2025 | $1268000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM3075 | Credit | Missing US<br>Patriot Act<br>Disclosure<br>or ID | Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or valid ID. | US Patriot Act Disclosure | 01/27/2026 | ; Missing US Patriot Act Disclosure or ID.; Received completed patriot disclosure; Material | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 14.33 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | 8213664003 |  | The Central<br>Trust Bank,<br>a Banking<br>Institution | Ginder | 10/15/2025 | $1268000.00 | CO | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 799 is greater than Guideline minimum FICO of 700<br> Borrower has stable job time — Borrower has 14.33 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | 8213936415 |  | First<br>Federal<br>Bank, a<br>Federally<br>Chartered<br>Savings<br>Bank | Kronsbein | 11/26/2025 | $980000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 29.5% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 801 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | 8213936415 |  | First<br>Federal<br>Bank, a<br>Federally<br>Chartered<br>Savings<br>Bank | Kronsbein | 11/26/2025 | $980000.00 | SC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The ABA is not provided. Please provide proof of delivery and receipt within 3 business days of application date. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Borrower has stable job time — Borrower has 20.47 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 29.5% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 801 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | 8213914780 |  | United<br>Home<br>Loans, Inc,<br>an Illinois<br>Corporation | Bazan | 11/21/2025 | $1050000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | 8213914780 |  | United<br>Home<br>Loans, Inc,<br>an Illinois<br>Corporation | Bazan | 11/21/2025 | $1050000.00 | IL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 549300UKYJZO6CZXIX60250910726294<br> vs Lender value missing, ALSO missing lenders NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | We agree with Audit ULI 549300UKYJZO6CZXIX60250910726294. Lender's NMLS ID 215731 | 01/30/2026 | ; ULI is valid.; Material | 02/02/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 28.36% is less than Guideline DTI of 45%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 783 is greater than Guideline minimum FICO of 700<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | 8213916330 |  | Leader<br>Bank, N.A.,<br>a National<br>Banking<br>Association | Notin | 11/14/2025 | $1404000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | 8213916330 |  | Leader<br>Bank, N.A.,<br>a National<br>Banking<br>Association | Notin | 11/14/2025 | $1404000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/10/2025 or provide confirmation the lender has no affiliates. | Affiliated Business Disclosure | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | 8213916330 |  | Leader<br>Bank, N.A.,<br>a National<br>Banking<br>Association | Notin | 11/14/2025 | $1404000.00 MA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 788 is greater than Guideline minimum FICO of 720<br> Qualifying DTI below max allowed. — Calculated DTI of 25.62% is less than Guideline DTI of 45%<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | 8213881098 |  | Bank<br>Independent,<br>an Alabama<br>Banking<br>Corporation | Simmons | 11/17/2025 | $1300600.00 AL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level 3 discrepancies — condition cleared<br> ; HMDA Data Tape Provided. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.02% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 52.02% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 19.14 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | 8213881098 |  | Bank<br>Independent,<br>an Alabama<br>Banking<br>Corporation | Simmons | 11/17/2025 | $1300600.00 AL | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date 10/07/2025 or provide confirmation the lender has no affiliates. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 52.02% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 776 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 52.02% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 19.14 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | 8214128243 |  | Coastal<br>Funding<br>SLC, Inc.<br>dba Pacific<br>Trust<br>Mortgage, a<br>Corporation | Soderberg | 11/10/2025 | $1199200.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings.; HMDA discrepancy noted: Audit sales price $1,499,900 vs Lender value $1,499,000, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreeing with audit's finding, or providing documentation to support their value. Note, there are multiple final CD's and PCCD's listing the two different sales prices, contract lists $1,499,900 | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 762 is greater than Guideline minimum FICO of 700<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | 8214128243 |  | Coastal<br>Funding<br>SLC, Inc.<br>dba Pacific<br>Trust<br>Mortgage, a<br>Corporation | Soderberg | 11/10/2025 | $1199200.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | Additional discrepancy finding added.; HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.95% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.95% is less than Guideline CLTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 762 is greater than Guideline minimum FICO of 700<br> C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | 8214022345 |  | JSB<br>Mortgage<br>Corporation<br>DBA<br>Novus<br>Mortgage, a<br>California<br>Corporation | Han | 11/03/2025 | $1356500.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit Loan purpose Refinancing<br> vs Lender loan type missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings. | 01/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 4.64 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | 8214022345 |  | JSB<br>Mortgage<br>Corporation<br>DBA<br>Novus<br>Mortgage, a<br>California<br>Corporation | Han | 11/03/2025 | $1356500.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 4.64 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | 8214022345 |  | JSB<br>Mortgage<br>Corporation<br>DBA<br>Novus<br>Mortgage, a<br>California<br>Corporation | Han | 11/03/2025 | $1356500.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.72% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.72% is less than Guideline CLTV of 90%<br> Borrower has stable job time — Borrower has 4.64 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | 8214009605 |  | NFM<br>Lending,<br>LLC, a<br>Limited<br>Liability<br>Company | Melanson | 11/20/2025 | $896000.00 MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings.; HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.9 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | 8214009605 |  | NFM<br>Lending,<br>LLC, a<br>Limited<br>Liability<br>Company | Melanson | 11/20/2025 | $896000.00 MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 775 is greater than Guideline minimum FICO of 720<br> Borrower has stable job time — Borrower has 10.9 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | 8214050192 |  | Synergy<br>One<br>Lending,<br>Inc., a<br>Corporation | Cai | 11/08/2025 | $1400000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit ULI 2549004FXPNKCLIN825016608877376<br> vs Lender value missing, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | Agree with the Audit's ULI 2549004FXPNKCLIN825016608877376 | 01/30/2026 | ; Lender agrees with audit findings. Condition cleared.<br> ; Material | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.31% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.31% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 5.28 years on job.<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | 8214050192 |  | Synergy<br>One<br>Lending,<br>Inc., a<br>Corporation | Cai | 11/08/2025 | $1400000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 67.31% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.31% is less than Guideline CLTV of 89.99%<br> Borrower has stable job time — Borrower has 5.28 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | 6691692467 |  | Answer<br>Home<br>Lending | Holmes | 11/24/2025 | $1276000.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 02/03/2026 | Resolved | FCRE6101 | Credit | Audited<br>AUS<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited AUS Interested Party Contribution of 1.58% exceeds maximum AUS interested party contribution standards of 1.51%. |  |  | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | 6691692467 |  | Answer<br>Home<br>Lending | Holmes | 11/24/2025 | $1276000.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 01/08/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Interested Party Contributions exceed Total Closing Costs. On the Property page, navigate to the Purchase Contract card and reduce the Sales Price by the excess amount. The AUS is required to be re-ran lowering purchase price by the ICP overage of $1,112.89. | Incorrect — there is no IPC violation and no need for an AUS re-run | 01/13/2026 | AUS is not incomplete; AUS Partially Provided -> The financing concessions must be equal to or less than the sum of the closing costs: Review of the Final CD, the Realtor Credit (page 3) exceeds the Total Closing Costs (page 1) — An updated AUS resubmission is required to decrease the purchase price by the overage amount ($1112.89) and must reflect an approval with the higher LTV. | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | 6691692467 |  | Answer<br>Home<br>Lending | Holmes | 11/24/2025 | $1276000.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 02/03/2026 | Resolved | FCRE6100 | Credit | Audited<br>Interested<br>Party<br>Contribution<br>Exceeds<br>Guideline<br>Program<br>Maximum | Audited Interested Party Contribution of 1.58% exceeds interested party contribution guideline maximum of 1.51%. |  |  | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; ; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 02/06/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | 6691692467 |  | Answer<br>Home<br>Lending | Holmes | 11/24/2025 | $1276000.00 CA | QM: Safe Harbor APOR (APOR SH) | Curative | 01/08/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted condition cleared. | 01/15/2026 | Borrower has stable job time — Borrower has 19.67 years on job. D A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for<br>non-subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at 6 Brittany Way. Additional conditions may apply. | 6 Brittany HOA | 01/22/2026 | Lender provided an LOE from the borrower of no HOA on 6 Brittany Way. Condition cleared. ; Lender provided an LOE from the borrower of no HOA on 6 Brittany Way. Condition cleared. | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business Disclosure | 01/22/2026 | Lender provided the affiliated business disclosure. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/22/2025 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). A 3-day waiver was provided, however, evidence of appraisal delivery at or prior to consummation is missing. | Invalid — evidence provided in original submission | 01/09/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/26/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A B C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan Number** | **Seller<br>Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/30/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | NonDel — we create ULI — RVDPPPGHCGZ40J4VQ731821414897297 | 01/09/2026 | Lender provided documentation to support value: RVDPPPGHCGZ40J4VQ731821414897297. Condition cleared. ; Lender provided documentation to support value: RVDPPPGHCGZ40J4VQ731821414897297. Condition cleared. ; Material; HMDA discrepancy noted: Audit ULI 549300FXZWGDF5ZVOK9225059482<br> vs Lender value RVDPPPGHCGZ40J4VQ731821414897297<br> , Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A B C |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE1347 | Credit | Borrower 2<br>3rd Party<br>VOE Prior<br>to Close<br>Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for B2 within 10 days of closing. Verifications in file are not within 10 days of closing. | VOE | 01/09/2026 | Lender provided VVOE within 10 business days of closing. Condition cleared. ; Lender provided VVOE within 10 business days of closing. Condition cleared. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 01/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/26/2025 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product Not<br>Provided<br>within 10%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Per AUS Jumbo guidelines, if LCA returns no score, a CU score < 2.5 is sufficient. | 01/08/2026 | Lender provided UCDP report reflects a risk score of 1.4; therefore, an additional Third Party valuation is not required. Condition cleared.; Third party valuation product provided within tolerance. | 01/09/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | 8214148972 |  | Mortgage<br>Now, Inc | Rajeshvincent | 11/21/2025 | $1400000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 12/23/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, additional discrepancy finding added.<br> ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum — Calculated LTV of 79.21% is less than Guideline LTV of 89.99%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.21% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 27.07% is less than Guideline DTI of 50%<br> Borrower has stable job time — Borrower has 7.4 years on job.<br> D A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | 8214177829 |  | Vellum<br>Mortgage,<br>Inc., a<br>Corporation | Cepeda<br>Derieux | 11/24/2025 | $1264000.00 DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Lender agrees with findings.; Material; Lender agrees with audit's findings.; HMDA discrepancy noted: Missing Lender NMLS ID number, Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 01/29/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | 8214177829 |  | Vellum<br>Mortgage,<br>Inc., a<br>Corporation | Cepeda<br>Derieux | 11/24/2025 | $1264000.00 DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application. | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | 8214177829 |  | Vellum<br>Mortgage,<br>Inc., a<br>Corporation | Cepeda<br>Derieux | 11/24/2025 | $1264000.00 DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). Provide evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | 8214177829 |  | Vellum<br>Mortgage,<br>Inc., a<br>Corporation | Cepeda<br>Derieux | 11/24/2025 | $1264000.00 DC | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Borrower has stable job time — Borrower has 7.16 years on job.<br> Qualifying DTI below max allowed. — Calculated DTI of 21.87% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 792 is greater than Guideline minimum FICO of 7<br> C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | 8214187068 |  | Advisors<br>Mortgage<br>Group,<br>LLC | Wilson,<br>II | 11/14/2025 | $849000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 77.18% is less than Guideline LTV of 89.99%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.18% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 29.9% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 2.81 years on job.<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | 8214147091 |  | Advisors<br>Mortgage<br>Group,<br>LLC | Karim | 11/21/2025 | $1340000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-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)). | Evidence of Appraisal Delivery to Borrower | 01/26/2026 | Lender provided evidence of receipt of the appraisal within 3 days of the application date. Condition cleared.<br> ; Evidence of appraisal delivery provided.; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | 8214147091 |  | Advisors<br>Mortgage<br>Group,<br>LLC | Karim | 11/21/2025 | $1340000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business | 01/26/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | 8214147091 |  | Advisors<br>Mortgage<br>Group,<br>LLC | Karim | 11/21/2025 | $1340000.00 NJ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/16/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 811 is greater than Guideline minimum FICO of 720 C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | 8214185536 |  | 1st 2nd<br>Mortgage<br>Co. of<br>NJ, Inc. | Garcia | 11/19/2025 | $1080000.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/19/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Borrower has stable job time — Borrower has 13.07 years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | 8214295664 |  | Plains<br>Commerce<br>Bank, a<br>Corporation | Palmer | 11/03/2025 | $1150000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/27/2026 | Cured | finding-<br>3622 | Compliance | TRID Post-<br>Consummation<br>Reason for<br>Redisclosure<br>Validation<br>Test | na This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | ; ; | 02/03/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 5.46 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | 8214295664 |  | Plains<br>Commerce<br>Bank, a<br>Corporation | Palmer | 11/03/2025 | $1150000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Cured | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>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 $90.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $90.00; 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 $90.00 is due to increase from $720.00 to $810.00 for the Appraisal Fee. COC in file referencing appraisal fee is dated 10/16/2025 and change was on LE 10/23/2025. | cured | 01/26/2026 | Lender provided the PCCD, LOE, refund of $90.00 and evidence of delivery. Loan will be graded a B. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 5.46 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99%<br> C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | | **Last Name** | **Note Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | 8214295664 |  | Plains<br>Commerce<br>Bank, a<br>Corporation | Palmer | 11/03/2025 | $1150000.00 | AZ | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>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. | 01/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99%<br> Qualifying DTI below max allowed. — Calculated DTI of 25.99% is less than Guideline DTI of 45%<br> Borrower has stable job time — Borrower has 5.46 years on job.<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99%<br> C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | 8214186543 |  | First<br>Savings<br>Mortgage<br>Corporation,<br>a Virginia<br>Corporation | Rump | 11/18/2025 | $2177761.00 | MD | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/22/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 01/27/2026 | Qualifying DTI below max allowed. — Calculated DTI of 26.92% is less than Guideline DTI of 45%<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 784 is greater than Guideline minimum FICO of 720<br> C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | 8213755553 |  | Exclusive<br>Mortgage<br>Company | Hernandez | 10/15/2025 | $1067500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCOM1225 | Credit | Second<br>Home<br>Rider is<br>Missing | Second Home Rider is Missing | Second Home Rider | 02/03/2026 | Lender provided the signed second home rider. Condition cleared. | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | 8213755553 |  | Exclusive<br>Mortgage<br>Company | Hernandez | 10/15/2025 | $1067500.00 | CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business | 02/03/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared.<br> ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan Number** | **Seller<br>Loan Number** | | **Last Name** | **Note Date** | **Original<br>Balance** | **TPR<br>QM<br>ATR<br>Status** | **Loan Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception**<br> **Rebuttal** | **Exception<br>Rebuttal<br>Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating**<br> **Factors** |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | 8213755553 |  | Exclusive<br>Mortgage<br>Company | Hernandez | 10/15/2025 | $1067500.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Subject property is 2nd Home. Please review uploaded ; NonDEL<br> ULI — RVDPPPGHCGZ40J4VQ731821375555358<br> AUS/1008 — Second home<br> Conflicting documents — Secondary / primary<br> No Second Home Rider" | 01/16/2026 | Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a primary residence and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit occupancy is Primary Residence and lenders is Second Home. Lender may clear finding by providing documentation to support their value.; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a primary residence and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit occupancy is Primary Residence and lenders is Second Home. Lender may clear finding by providing documentation to support their value.; Material Finding | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | 8213755553 |  | Exclusive<br>Mortgage<br>Company | Hernandez | 10/15/2025 | $1067500.00 CA | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of 14.3% is less than Guideline DTI of 45%<br> Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99%<br> Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99%<br> Borrower has stable job time — Borrower has 11.39 years on job.<br> Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of 771 is greater than Guideline minimum FICO of 700<br> D A C B |

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller <br>Loan <br>ID** | **Investor <br>Loan ID** | **Note<br>Date** | **Original <br>Loan<br>Amount** | **Sales <br>Price** | **Total<br>Adjusted <br>Prior<br>Purchase <br>Price** | **Primary<br>Appraised <br>Value** | **Primary<br>Appraisal <br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed <br>Property <br>Value** | **Loan<br>Reviewed <br>Variance <br>Amount** | **Loan<br>Reviewed <br>Variance <br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed <br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed <br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed <br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed <br>Product<br>Type** | **Second<br>Appraisal <br>Value** | **Second<br>Appraisal <br>Variance<br>Amount** | **Second<br>Appraisal <br>Variance<br>Percent** | **Second<br>Appraisal <br>Date** | **Second<br>Appraisal <br>Type** | **AVM<br>Appraised <br>Value** | **AVM<br>Variance <br>Amount** | **AVM<br>Variance <br>Percent** | **AVM<br>Confidence <br>Score** | **FSD<br>Score** | **AVM<br>Company <br>Name** | **AVM<br>Product <br>Name** | **AVM<br>Appraisal <br>Date** | **Desk<br>Review<br>Appraised <br>Value** | **Desk <br>Review <br>Variance <br>Amount** | **Desk <br>Review <br>Variance <br>Percent** | **Desk <br>Review <br>Company** | **Desk<br>Review <br>Risk<br>Score** | **Desk<br>Review<br>Appraisal <br>Date** | **Second<br>Desk<br>Review<br>Variance <br>Amount** | **Second<br>Desk<br>Review<br>Variance <br>Percent** | **Second<br>Desk<br>Review<br>Appraisal <br>Date** | **Second<br>Desk<br>Review<br>Appraised <br>Value** | **Desk Top<br>Appraised <br>Value** | **Desk Top<br>Variance <br>Amount** | **Desk Top<br>Variance <br>Percent** | **Desk Top <br>Company** | **Desk Top <br>Appraisal <br>Date** | **BPO<br>Appraised <br>Value** | **BPO<br>Variance <br>Amount** | **BPO<br>Variance <br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal <br>Date** | **Field<br>Review<br>Appraised <br>Value** | **Field<br>Review<br>Variance <br>Amount** | **Field<br>Review<br>Variance <br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal <br>Date** | **2055<br>Appraised <br>Value** | **2055<br>Variance <br>Amount** | **2055<br>Variance <br>Percent** | **2055<br>Company** | **2055<br>Appraisal <br>Date** | **AVE/CMA<br>Appraised <br>Value** | **AVE/<br>CMA<br>Variance <br>Amount** | **AVE/<br>CMA<br>Variance <br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal <br>Date** | **Other<br>Appraised <br>Value** | **Other<br>Variance <br>Amount** | **Other<br>Variance <br>Percent** | **Other<br>Appraisal <br>Date** | **Updated<br>Appraised <br>Value** | **Updated<br>Variance <br>Amount** | **Updated<br>Variance <br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal <br>Type** | **Loan<br>Collateral <br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral <br>Advisor<br>Risk<br>Score<br>Date** | **Is Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter <br>Risk Score** | **Collateral<br>Underwriter <br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 45.6 | 45.6 | XXXXXX | XXXXXX | -.0020 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0020 | 90.0 | 0.1 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.16 | 71.16 | XXXXXX | XXXXXX | .0072 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0072 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.34 | 79.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  | XXXXXX | XXXXXX | -.0547 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0547 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  | XXXXXX | XXXXXX | -.0628 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0628 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 58.87 | 58.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.9 | 79.9 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.51 | 69.51 | XXXXXX | XXXXXX | -.0967 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0967 | 92.0 | 0.08 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 |  |  |  |  | XXXXXX | XXXXXX | -.0509 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0509 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0664 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0664 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.45 | 79.45 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1106 | 89.0 | 0.11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 48.28 | 48.28 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.63 | 68.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 54.73 | 54.73 | XXXXXX | XXXXXX | -.0949 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0949 | 93.0 | 0.07 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.77 | 64.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.34 | 67.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.19 | 57.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.55 | 79.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.79 | 71.79 | XXXXXX | XXXXXX | -.0850 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0850 | 83.0 | 0.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.4 | 64.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.46 | 79.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.8 | 63.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 58.85 | 58.85 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Moderate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 72.58 | 72.58 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.2650 | 85.0 | 0.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .2294 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .2294 | 72.0 | 0.28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 74.72 | 74.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0616 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0616 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.74 | 77.74 | XXXXXX | XXXXXX | -.0828 | Desk Review |  |  |  |  | XXXXXX | XXXXXX | .2913 | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | .0073 | 87.0 | 0.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -.0828 | XXXXXX | High | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.8 | 59.8 | XXXXXX | XXXXXX | -.2639 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.2639 | 92.0 | 0.08 | Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -.0984 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.48 | 68.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.87 | 65.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 78.97 | 78.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.85 | 64.85 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.2180 | 77.0 | 0.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.96 | 66.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 56.47 | 56.47 | XXXXXX | XXXXXX | .0411 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0411 | 85.0 | 0.15 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 74.67 | 74.67 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.88 | 66.88 | XXXXXX | XXXXXX | -.0174 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0174 | 87.0 | 0.13 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0438 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0438 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.27 | 79.27 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.5323 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.5323 | 79.0 | 0.21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | 0.0 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.31 | 44.31 |  |  |  |  | XXXXXX | XXXXXX | -.2940 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.2940 | 91.0 | 0.9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  | XXXXXX | XXXXXX | -.1013 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 73.75 | 73.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.2234 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.2234 | 83.0 | 0.17 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.8 | 70.8 | XXXXXX | XXXXXX | -.3908 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.3908 | 74.0 | 0.26 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.87 | 60.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0505 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0505 | 97.0 | 0.03 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 38.76 | 38.76 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 43.52 | 43.52 | XXXXXX | XXXXXX | -.1363 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1363 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0805 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0805 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0531 | AVM |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | .0531 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 72.37 | 72.37 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1923 | 80.0 | 0.2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | 0.0 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.75 | 71.75 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | -.0051 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0051 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.77 | 77.77 | XXXXXX | XXXXXX | -.0505 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0505 | 91.0 | 0.09 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0300 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0300 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 46.17 | 46.17 | XXXXXX | XXXXXX | -.1388 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1388 | 75.0 | 0.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.79 | 79.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.26 | 69.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.1191 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1191 | 83.0 | 0.17 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0197 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0197 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.01 | 77.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.17 | 79.17 | XXXXXX | XXXXXX | -.0083 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0083 | 90.0 | 0.1 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0529 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0529 | 88.0 | 0.12 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0658 | 81.0 | 0.19 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |

---

------

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller <br>Loan <br>ID** | **Investor <br>Loan ID** | **Note<br>Date** | **Original <br>Loan<br>Amount** | **Sales <br>Price** | **Total<br>Adjusted <br>Prior<br>Purchase <br>Price** | **Primary<br>Appraised <br>Value** | **Primary<br>Appraisal <br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed <br>Property <br>Value** | **Loan<br>Reviewed <br>Variance <br>Amount** | **Loan<br>Reviewed <br>Variance <br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed <br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed <br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed <br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed <br>Product<br>Type** | **Second<br>Appraisal <br>Value** | **Second<br>Appraisal <br>Variance<br>Amount** | **Second<br>Appraisal <br>Variance<br>Percent** | **Second<br>Appraisal <br>Date** | **Second<br>Appraisal <br>Type** | **AVM<br>Appraised <br>Value** | **AVM<br>Variance <br>Amount** | **AVM<br>Variance <br>Percent** | **AVM<br>Confidence <br>Score** | **FSD<br>Score** | **AVM<br>Company <br>Name** | **AVM<br>Product <br>Name** | **AVM<br>Appraisal <br>Date** | **Desk<br>Review<br>Appraised <br>Value** | **Desk <br>Review <br>Variance <br>Amount** | **Desk <br>Review <br>Variance <br>Percent** | **Desk <br>Review <br>Company** | **Desk<br>Review <br>Risk<br>Score** | **Desk<br>Review<br>Appraisal <br>Date** | **Second<br>Desk<br>Review<br>Variance <br>Amount** | **Second<br>Desk<br>Review<br>Variance <br>Percent** | **Second<br>Desk<br>Review<br>Appraisal <br>Date** | **Second<br>Desk<br>Review<br>Appraised <br>Value** | **Desk Top<br>Appraised <br>Value** | **Desk Top<br>Variance <br>Amount** | **Desk Top<br>Variance <br>Percent** | **Desk Top <br>Company** | **Desk Top <br>Appraisal <br>Date** | **BPO<br>Appraised <br>Value** | **BPO<br>Variance <br>Amount** | **BPO<br>Variance <br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal <br>Date** | **Field<br>Review<br>Appraised <br>Value** | **Field<br>Review<br>Variance <br>Amount** | **Field<br>Review<br>Variance <br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal <br>Date** | **2055<br>Appraised <br>Value** | **2055<br>Variance <br>Amount** | **2055<br>Variance <br>Percent** | **2055<br>Company** | **2055<br>Appraisal <br>Date** | **AVE/CMA<br>Appraised <br>Value** | **AVE/<br>CMA<br>Variance <br>Amount** | **AVE/<br>CMA<br>Variance <br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal <br>Date** | **Other<br>Appraised <br>Value** | **Other<br>Variance <br>Amount** | **Other<br>Variance <br>Percent** | **Other<br>Appraisal <br>Date** | **Updated<br>Appraised <br>Value** | **Updated<br>Variance <br>Amount** | **Updated<br>Variance <br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal <br>Type** | **Loan<br>Collateral <br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral <br>Advisor<br>Risk<br>Score<br>Date** | **Is Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter <br>Risk Score** | **Collateral<br>Underwriter <br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 41.06 | 41.06 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0207 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0207 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0447 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0447 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  | Eligible | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0529 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0529 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 78.21 | 78.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.29 | 79.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 56.54 | 56.54 | XXXXXX | XXXXXX | -.0569 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0569 | 87.0 | 0.13 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.52 | 64.52 | XXXXXX | XXXXXX | -.2508 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.2508 | 90.0 | 0.1 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 74.54 | 74.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0187 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0187 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.23 | 57.23 | XXXXXX | XXXXXX | -.0479 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0479 | 94.0 | 0.6 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.7408 | 73.0 | 0.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.71 | 79.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  | XXXXXX | XXXXXX | -.0877 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0877 | 94.0 | 0.06 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.95 | 77.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.14 | 57.14 |  |  |  |  | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 49.15 | 49.15 | XXXXXX | XXXXXX | .0166 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0166 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.2 | 44.2 |  |  |  |  | XXXXXX | XXXXXX | .0221 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | .0221 | 88.0 | 0.12 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1074 | 95.0 | 0.5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk Additional | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0163 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0163 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0564 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0564 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.81 | 65.81 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.26 | 69.26 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0277 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0277 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 56.52 | 56.52 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0099 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0099 | 94.0 | 0.06 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.9 | 64.9 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.0 | 65.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0161 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0161 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 47.62 | 47.62 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 50.51 | 50.51 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.15 | 69.15 |  |  |  |  | XXXXXX | XXXXXX | -.0131 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0131 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.18 | 67.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0333 | AVM |  |  |  |  | XXXXXX | XXXXXX | .0431 | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | -.0333 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0175 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0506 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0506 | 94.0 | 0.06 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0207 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | -.0570 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0570 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.7 | 70.7 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1051 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.1 | 79.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 |  |  |  |  | XXXXXX | XXXXXX | .0866 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | .0866 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0721 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0721 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 74.0 | 74.0 | XXXXXX | XXXXXX | -.1144 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1144 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 71.26 | 71.26 | XXXXXX | XXXXXX | -.0750 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0750 | 95.0 | 0.5 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 66.67 | 66.67 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1421 | 89.0 | 0.11 | Other | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 65.44 | 65.44 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.1515 | 84.0 | 0.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0078 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0078 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0393 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0393 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 53.41 | 53.41 | XXXXXX | XXXXXX | .0158 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0158 | 83.0 | 0.17 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.81 | 77.81 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 44.12 | 44.12 | XXXXXX | XXXXXX | -.0535 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0535 | 93.0 | 0.07 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0418 | 77.0 | 0.23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.65 | 68.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 73.42 | 73.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 59.36 | 59.36 | XXXXXX | XXXXXX | .0063 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0063 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.09 | 75.09 |  |  |  |  | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 51.71 | 51.71 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 68.83 | 68.83 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0168 | 97.0 | 0.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0292 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0292 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0477 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0477 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.41 | 64.41 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 |  |  |  |  | XXXXXX | XXXXXX | -.0340 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0340 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |

---

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| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan ID** | **Seller <br>Loan <br>ID** | **Investor <br>Loan ID** | **Note<br>Date** | **Original <br>Loan<br>Amount** | **Sales <br>Price** | **Total<br>Adjusted <br>Prior<br>Purchase <br>Price** | **Primary<br>Appraised <br>Value** | **Primary<br>Appraisal <br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed <br>Property <br>Value** | **Loan<br>Reviewed <br>Variance <br>Amount** | **Loan<br>Reviewed <br>Variance <br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed <br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed <br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed <br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed <br>Product<br>Type** | **Second<br>Appraisal <br>Value** | **Second<br>Appraisal <br>Variance<br>Amount** | **Second<br>Appraisal <br>Variance<br>Percent** | **Second<br>Appraisal <br>Date** | **Second<br>Appraisal <br>Type** | **AVM<br>Appraised <br>Value** | **AVM<br>Variance <br>Amount** | **AVM<br>Variance <br>Percent** | **AVM<br>Confidence <br>Score** | **FSD<br>Score** | **AVM<br>Company <br>Name** | **AVM<br>Product <br>Name** | **AVM<br>Appraisal <br>Date** | **Desk<br>Review<br>Appraised <br>Value** | **Desk <br>Review <br>Variance <br>Amount** | **Desk <br>Review <br>Variance <br>Percent** | **Desk <br>Review <br>Company** | **Desk<br>Review <br>Risk<br>Score** | **Desk<br>Review<br>Appraisal <br>Date** | **Second<br>Desk<br>Review<br>Variance <br>Amount** | **Second<br>Desk<br>Review<br>Variance <br>Percent** | **Second<br>Desk<br>Review<br>Appraisal <br>Date** | **Second<br>Desk<br>Review<br>Appraised <br>Value** | **Desk Top<br>Appraised <br>Value** | **Desk Top<br>Variance <br>Amount** | **Desk Top<br>Variance <br>Percent** | **Desk Top <br>Company** | **Desk Top <br>Appraisal <br>Date** | **BPO<br>Appraised <br>Value** | **BPO<br>Variance <br>Amount** | **BPO<br>Variance <br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal <br>Date** | **Field<br>Review<br>Appraised <br>Value** | **Field<br>Review<br>Variance <br>Amount** | **Field<br>Review<br>Variance <br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal <br>Date** | **2055<br>Appraised <br>Value** | **2055<br>Variance <br>Amount** | **2055<br>Variance <br>Percent** | **2055<br>Company** | **2055<br>Appraisal <br>Date** | **AVE/CMA<br>Appraised <br>Value** | **AVE/<br>CMA<br>Variance <br>Amount** | **AVE/<br>CMA<br>Variance <br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal <br>Date** | **Other<br>Appraised <br>Value** | **Other<br>Variance <br>Amount** | **Other<br>Variance <br>Percent** | **Other<br>Appraisal <br>Date** | **Updated<br>Appraised <br>Value** | **Updated<br>Variance <br>Amount** | **Updated<br>Variance <br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal <br>Type** | **Loan<br>Collateral <br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral <br>Advisor<br>Risk<br>Score<br>Date** | **Is Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter <br>Risk Score** | **Collateral<br>Underwriter <br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.78 | 77.78 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 72.27 | 72.27 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0132 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0132 | 96.0 | 0.04 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 60.0 | 60.0 | XXXXXX | XXXXXX | -.0265 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0265 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 52.02 | 52.02 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.95 | 79.95 |  |  |  |  | XXXXXX | XXXXXX | -.0312 | AVM |  |  |  |  |  | XXXXXX | XXXXXX | -.0312 | 95.0 | 0.05 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 57.72 | 57.72 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 67.31 | 67.31 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 79.21 | 79.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.18 | 77.18 | XXXXXX | XXXXXX | -.0982 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0982 | XXXXXX | Moderate Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0 | .0000 | XXXXXX | Moderate | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0103 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0103 | 96.0 | 0.04 | Other | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.7 | 69.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | XXXXXX |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 77.78 | 77.78 |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0289 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | -.0958 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0958 | 94.0 | 0.06 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |

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