# EDGAR Filing Document

**Accession Number:** 0002057124
**File Stem:** 0001999371-25-009347
**Filing Date:** 2025-7
**Character Count:** 2332428
**Document Hash:** 76575c1018e9d6d387ccf10c43096491
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009347.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0001999371-25-009347

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

**PUBLIC DOCUMENT COUNT**: 44

**CONFORMED PERIOD OF REPORT**: 20250717

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

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250717

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07763
- **FILM NUMBER:** 251131484

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206

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

**<u>COLT SECURITIZATION DEPOSITOR, LLC</u>**

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

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| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

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

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0002057124 |
|  | <u>COLT 2025-8 Mortgage Loan Trust</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable):<u> </u> |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

<u>Donna Yi (212) 849-9658 </u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

| | |
|:---|:---|
| **Item 1.01** | **Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

**REPORTS**

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | |
|:---|:---|
| **COLT SECURITIZATION DEPOSITOR, LLC** | **COLT SECURITIZATION DEPOSITOR, LLC** |
| By: | /s/ Donna Yi |
| Name:  | Donna Yi |
| Title: | Vice President |

---

Date: July 17, 2025

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Narrative |
| [99.7](ex99-7.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.9](ex99-9.htm) | Clarifii Data Compare Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Evolve Mortgage Services ("Evolve") Executive Summary |
| [99.12](ex99-12.htm) | Evolve Rating Agency Grades |
| [99.13](ex99-13.htm) | Evolve Exception Detail |
| [99.14](ex99-14.htm) | Evolve Valuation Report |
| [99.15](ex99-15.htm) | Evolve Data Compare |
| [99.16](ex99-16.htm) | Maxwell Diligence Solutions, LLC ("MaxDiligence") Narrative |
| [99.17](ex99-17.htm) | MaxDiligence Standard Exceptions Report |
| [99.18](ex99-18.htm) | MaxDiligence Grading Report |
| [99.19](ex99-19.htm) | MaxDiligence Valuation Report |
| [99.20](ex99-20.htm) | MaxDiligence Data Compare Report |
| [99.21](ex99-21.htm) | Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative |
| [99.22](ex99-22.htm) | Opus Rating Agency Grades Summary Report |
| [99.23](ex99-23.htm) | Opus Valuation Report |
| [99.24](ex99-24.htm) | Opus Data Compare Report |
| [99.25](ex99-25.htm) | Opus Standard Findings Report |
| [99.26](ex99-26.htm) | Selene Diligence LLC ("Selene") Narrative |
| [99.27](ex99-27.htm) | Selene Rating Agency Grades Summary Report |
| [99.28](ex99-28.htm) | Selene Standard Findings Report |
| [99.29](ex99-29.htm) | Selene Valuation Report |
| [99.30](ex99-30.htm) | Selene Data Compare Report |

---

## Exhibit 99.1

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Lone Star Residential Acquisitions, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted during April 2025 through July 2025 on mortgage loans with origination dates from March 2025 through June 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (197 loans), and the Business Purpose Scope (187 loans). The loans reviewed using the Credit and Compliance Scope and Business Purpose Scope are together referred to as the mortgage loans.

**(2) Sample size of the assets reviewed.**

The initial population consisted of 384 mortgage loans.

The final population of the Review covered 384 mortgage loans totaling an aggregate original principal balance of approximately $193.771 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

**(3) Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original LTV |  |

---

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

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) and ensured that the title conformed with the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing
 the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence
 to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining
 appraisal reports, BPO's, and appraisal reviews to determine if the property type
 is consistent with underwritten property type and usage (such as evidence/an indication
 of either owner or tenant occupancy) and comparing this information against other relevant
 information contained within applicable sections of the loan file to evaluate consistency,
 accuracy, and adheres to the credit policy.

▪ Reviewing
 environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy
 and adherence to credit policy requirements.

▪ Reviewing
 credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation
 to confirm accuracy, adherence to credit policy requirements, and consistency with the
 Final Loan Approval worksheet.

▪ Reviewing
 HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification
 of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well
 as adherence to credit policy requirements.

▪ Reviewing
 LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation
 that the LOI/LOE cited address is consistent with the subject property address, and that
 signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing
 Final Form 1003/Loan application to ensure complete execution that the subject property
 listed is consistent with the subject property, and that the listed residence for the
 Individual(s) is an address other than the subject property.

▪ Confirming,
 if applicable, business license(s) and P&L's are present, valid, and adheres
 to credit policy requirements.

▪ Confirming,
 if applicable, second mortgage documents are present, valid, align with approved terms
 amounts, and adhere to credit policy requirements.

▪ Reviewing
 final loan approval worksheets for accuracy, completion, documentation of approval for
 any exceptions, and evaluating such items for agreement/consistency with all other documentation
 contained in the review file.

▪ Reviewing
 the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity
 for presence of a completed fields, and verifying that the hand written Primary Residence
 address differs from the subject property address, and is signed/dated as required.

▪ Verifying
 presence of a complete Certification of Non-Owner Occupancy and Indemnity document for
 each individual borrower/co-borrower/guarantor identified within the subject note/guaranty
 agreement, including the presence of either individual certifications or one certificate
 containing all required signatures.

▪ Comparing
 the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan
 application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

▪ Documenting
 any non-approved credit policy exceptions and/or inconsistencies and reporting and/or
 marking such items for further dialogue.

▪ Reviewing
 and calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

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![](ex991001.jpg)

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) |
| &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Environmental reports | &nbsp;&nbsp;Note |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Rent Roll\* |
| &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1 | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Certification(s) of Business purpose of loan | &nbsp;&nbsp;Flood certificates | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* |
| &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* | &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Identification / proof of residency status |  |

---

**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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

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

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

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

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![](ex991001.jpg)

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
 other disclosures related to the enumerated tests set forth herein.

**<u>BUSINESS PURPOSE & LIMITED COMPLIANCE REVIEW</u>**

Includes Business Purpose Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming,
 and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied
 loans.

**(8) Other: review and methodology.** 

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

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**(9) Disclaimer.**

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage**<br> **Loans** | &nbsp;&nbsp;**% of Mortgage**<br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;187 | &nbsp;&nbsp;48.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;197 | &nbsp;&nbsp;51.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

**COMPLIANCE RESULTS SUMMARY** 

Please note that one hundred seventy-one (175) Business Purpose with no limited compliance review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining two hundred nine (209) mortgage loans, 100.00% by number received an "A" or "B" compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of All Loans** | &nbsp;&nbsp;**% of Mortgage**<br> **Review Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;161 | &nbsp;&nbsp;41.93% | &nbsp;&nbsp;77.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;48 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;22.97% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;175 | &nbsp;&nbsp;45.57% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred eighty-four (384) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 55.47% of the mortgage loans by number received a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;213 | &nbsp;&nbsp;55.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;171 | &nbsp;&nbsp;44.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;384 | &nbsp;&nbsp;100.00% |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All three hundred eighty-four (384) mortgage loans reviewed by AMC have a Property Grade of "B" or higher and 99.74% of the mortgage loans by number received a Property grade of "A"

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;383 | &nbsp;&nbsp;99.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception**<br> **Type** | &nbsp;&nbsp;**Final**<br> **Exception**<br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***69*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**69** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;159 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Collateral | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***252*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**252** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**322** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 384 mortgage loans reviewed, 381 unique mortgage loans had 2,024 different tape discrepancies across 30 data fields (some mortgage loans had more than one data delta). The largest variances were found on PITIA Reserves Months, Escrow Account and Product Descroption.

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With**<br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**%**<br> **Variance** | &nbsp;&nbsp;**# Of**<br> **Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;364 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;70 | &nbsp;&nbsp;384 | &nbsp;&nbsp;18.23% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;5 | &nbsp;&nbsp;20 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;116 | &nbsp;&nbsp;384 | &nbsp;&nbsp;30.21% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;65 | &nbsp;&nbsp;364 | &nbsp;&nbsp;17.86% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;18 | &nbsp;&nbsp;384 | &nbsp;&nbsp;4.69% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;188 | &nbsp;&nbsp;11.17% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;332 | &nbsp;&nbsp;364 | &nbsp;&nbsp;91.21% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;23 | &nbsp;&nbsp;189 | &nbsp;&nbsp;12.17% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;2 | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;69 | &nbsp;&nbsp;198 | &nbsp;&nbsp;34.85% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;142 | &nbsp;&nbsp;364 | &nbsp;&nbsp;39.01% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;384 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;26 | &nbsp;&nbsp;384 | &nbsp;&nbsp;6.77% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;19 | &nbsp;&nbsp;384 | &nbsp;&nbsp;4.95% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;34 | &nbsp;&nbsp;384 | &nbsp;&nbsp;8.85% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;360 | &nbsp;&nbsp;364 | &nbsp;&nbsp;98.90% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;116 | &nbsp;&nbsp;355 | &nbsp;&nbsp;32.68% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;263 | &nbsp;&nbsp;364 | &nbsp;&nbsp;72.25% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;46 | &nbsp;&nbsp;384 | &nbsp;&nbsp;11.98% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;384 | &nbsp;&nbsp;0.78% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;130 | &nbsp;&nbsp;3.08% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;24 | &nbsp;&nbsp;384 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;384 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;27 | &nbsp;&nbsp;384 | &nbsp;&nbsp;7.03% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;146 | &nbsp;&nbsp;151 | &nbsp;&nbsp;96.69% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;55 | &nbsp;&nbsp;384 | &nbsp;&nbsp;14.32% | &nbsp;&nbsp;384 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2024** | &nbsp;&nbsp;**8574** | &nbsp;&nbsp;**23.61%** | &nbsp;&nbsp;**384** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;377 | &nbsp;&nbsp;98.18% | &nbsp;&nbsp;$188121454.00 | &nbsp;&nbsp;97.08% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$5649759.00 | &nbsp;&nbsp;2.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$193771213.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;384 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$193771213.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$193771213.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;135 | &nbsp;&nbsp;35.16% | &nbsp;&nbsp;$60235250.00 | &nbsp;&nbsp;31.09% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;50 | &nbsp;&nbsp;13.02% | &nbsp;&nbsp;$29251920.00 | &nbsp;&nbsp;15.10% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;175 | &nbsp;&nbsp;45.57% | &nbsp;&nbsp;$88161842.00 | &nbsp;&nbsp;45.50% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;24 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$16122201.00 | &nbsp;&nbsp;8.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$193771213.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;376 | &nbsp;&nbsp;97.92% | &nbsp;&nbsp;$188854213.00 | &nbsp;&nbsp;97.46% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$4917000.00 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$193771213.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;200 | &nbsp;&nbsp;52.08% | &nbsp;&nbsp;$108560044.00 | &nbsp;&nbsp;56.02% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;31 | &nbsp;&nbsp;8.07% | &nbsp;&nbsp;$12604420.00 | &nbsp;&nbsp;6.50% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$4440583.00 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;$686800.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;88 | &nbsp;&nbsp;22.92% | &nbsp;&nbsp;$40227579.00 | &nbsp;&nbsp;20.76% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.56% | &nbsp;&nbsp;$1525250.00 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;28 | &nbsp;&nbsp;7.29% | &nbsp;&nbsp;$13166637.00 | &nbsp;&nbsp;6.79% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;$3575750.00 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.60% | &nbsp;&nbsp;$4747100.00 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$3034550.00 | &nbsp;&nbsp;1.57% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;$1202500.00 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$193771213.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;132 | &nbsp;&nbsp;34.38% | &nbsp;&nbsp;$90326431.00 | &nbsp;&nbsp;46.61% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;243 | &nbsp;&nbsp;63.28% | &nbsp;&nbsp;$98696032.00 | &nbsp;&nbsp;50.93% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.34% | &nbsp;&nbsp;$4748750.00 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$193771213.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.2**

![](situs_logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 7/16/2025 1:26:30 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Field Review | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX High | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| XXXX | XXXX | XXXX | 4350115250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
| XXXX | XXXX | XXXX | 4350115259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  | 14.954% |  | 0.17 |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| XXXX | XXXX | XXXX | 4350115269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| XXXX | XXXX | XXXX | 4350115275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| XXXX | XXXX | XXXX | 4350115283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX | XXXX | XXXX | 4350115287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | XXXX | 4350115293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| XXXX | XXXX | XXXX | 4350115307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350115310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | XXXX | 4350115321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| XXXX | XXXX | XXXX | 4350115328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| XXXX | XXXX | XXXX | 4350115330 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | XXXX | XXXX | 4350115331 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115332 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| XXXX | XXXX | XXXX | 4350115334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350115335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.70 |
| XXXX | XXXX | XXXX | 4350115339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350115341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| XXXX | XXXX | XXXX | 4350115343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| XXXX | XXXX | XXXX | 4350115345 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350115346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 4.30 |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350115359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| XXXX | XXXX | XXXX | 4350115364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350115368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| XXXX | XXXX | XXXX | 4350115377 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX | XXXX | XXXX | 4350115378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | XXXX | 4350115381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.80 |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 4350115383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115395 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| XXXX | XXXX | XXXX | 4350115399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| XXXX | XXXX | XXXX | 4350115404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | XXXX | 4350115414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | XXXX | XXXX | 4350115422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | XXXX | 4350115423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350115431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| XXXX | XXXX | XXXX | 4350115451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | XXXX | 4350115461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX | XXXX | XXXX | 4350115502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| XXXX | XXXX | XXXX | 4350115507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | XXXX | 4350115524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350115537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350115564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350115571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| XXXX | XXXX | XXXX | 4350115573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| XXXX | XXXX | XXXX | 4350115577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350115582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350115585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| XXXX | XXXX | XXXX | 4350115590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350115595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 4350115597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| XXXX | XXXX | XXXX | 4350115601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115617 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350115618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.3

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.3**

![](situs_logo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 7/16/2025 1:26:28 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-05-27): Received credit report in trailing docs.<br>Seller Comment (2025-05-22): (Rate Lock) See attached credit report | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved at origination for the property is zoned as a legal non-confirming use within a Commercial District. The property is zoned as legal non-conforming (Commercial District) and the appraisal notes if destroyed and not rebuilt within XXXX year the uses are only what is allowed in CD zoning. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Debt Service Coverage Ratio (XXXX) is greater than the guideline requirement by .XXXX. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-19): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception was approved at origination for comparable Sales #XXXX and #XXXX cited in the appraisal seasoned beyond XXXX months. Comp sale XXXX has a Date of Sale/Time of XXXX and Comp sale XXXX has a Date of Sale/Time ofXXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Debt Service Coverage Ratio (XXXX) is greater than the guideline requirement by .XXXX. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-19): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  |  |  |  | Reviewer Comment (2025-05-27): Received credit report in trailing docs.<br>Seller Comment (2025-05-22): (Rate Lock) Sponsor's median FICO score is XXXX - See attached credit report | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | As per guidelines minimum FICO is XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has flipped XXXX properties. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-04-20): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Evidence of borrower's receipt of the appraisal dated XXXX was not provided. |  |  |  | Reviewer Comment (2025-05-14): Lender elects to waive.<br>Seller Comment (2025-05-09): (Rate Lock) accept EV2 as is and wishes to proceed<br>Reviewer Comment (2025-05-07): Delivery document provided however it reflects a sent date which is after the Note date. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXX Non Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-05-06): Appraisal delivery receipt received and updated. Exception cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX(XXXX) business days prior to consummation. | There are XXXX appraisals for subject property. Evidence of borrower's receipt of both appraisals was not provided. |  |  |  | Reviewer Comment (2025-05-06): Appraisal delivery receipt received and updated. Exception cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXXCompliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Compliant Higher Priced Mortgage Loan. | Appraisal delivery receipt required for preliminary appraisal |  |  |  | Reviewer Comment (2025-05-15): Client elected to waive | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of revised valuation to applicant XXXXXXXX business days prior to consummation. | Appraisal delivery receipt required for preliminary appraisal |  |  |  | Reviewer Comment (2025-05-14): Lender elects to waive.<br>Seller Comment (2025-05-09): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $XXXXis less than Cash from Borrower $XXXX. |  |  |  | Reviewer Comment (2025-05-12): Borrower is getting cash out of $ XXXX on property XXXX XXXX. Exception Cleared.<br>Seller Comment (2025-05-09): (Rate Lock) HUD from con-current file that borrower is getting back $XXXXk on to use towards these reserves | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Rate/Term | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. |  |  |  | Reviewer Comment (2025-05-12): Borrower is getting cash out of $ XXXX on property XXXX XXXX. Exception Cleared.<br>Seller Comment (2025-05-09): (Rate Lock) HUD from con-current file that borrower is getting back $XXXXk on to use towards these reserves | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Rate/Term | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject XXXX) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception for XXXX less that XXXX with comp factor LTV less than XXXX% and Sufficient reserves plus XXXX months more than guidelines minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC | Reviewer Comment (2025-06-05): Lender exception with comp factor. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow XXXX. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2025-04-29): Per client, downgrade and waive using comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Guidelines max LTV XXXX % for borrower living rent free. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower has verified disposable income of at least $XXXX. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Lender exception with comp factors.<br>Seller Comment (2025-06-02): (Rate Lock) Please see updated exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Guidelines max CLTV XXXX % for borrower living rent free. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower has verified disposable income of at least $XXXX. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Lender exception with comp factors.<br>Seller Comment (2025-06-02): (Rate Lock) Please see updated exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for gift funds that exceeds XXXX % of the purchase price. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-12): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX% of the amount past due or grace period of less than XXXX days. | Mortgage loan contains a late charge of XXXX % that exceeds XXXX% which is the maximum allowable. |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the XXXX Total Loan Amount. Points and Fees of $XXXX on a XXXX Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Evidence of borrower's receipt of pre-loan counseling was not provided. |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX<br>Reviewer Comment (2025-05-23): The loan does not meet the XXXX ratio to consider the discount points bona fide and excludable. The calculation follows:<br> Undiscounted Starting Rate - XXXX<br> Note Rate - XXXX<br> Loan Discounts - XXXX<br> Undiscounted Starting Rate Price - (-XXXX)<br> XXXX- XXXX= XXXX<br> XXXX- - XXXX= XXXX<br> XXXX/ XXXX= XXXX<br> Since the XXXX ratio is less than the client deal setting ratio of XXXX, the discount points are not considered bona fide and therefore not able to be excluded. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: Schedule C) | XXXX High-Cost Mortgage (Closed-end ATR): Unable to verify Sole Proprietorship income using reasonably reliable XXXX - party records. | Loan file is missing borrower's P&L and XXXX Tax returns. \*\*\*\*\*UPDATE XXXX- Please provide all Rate Locks and any extensions of the lock or ReLocks. |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX<br>Reviewer Comment (2025-05-23): The loan does not meet the XXXX ratio to consider the discount points bona fide and excludable. The calculation follows:<br> Undiscounted Starting Rate - XXXX<br> Note Rate - XXXX<br> Loan Discounts - XXXX<br> Undiscounted Starting Rate Price - (-XXXX)<br> XXXX- XXXX= XXXX<br> XXXX- - XXXX= XXXX<br> XXXX/ XXXX= XXXX<br> Since the XXXX ratio is less than the client deal setting ratio of XXXX, the discount points are not considered bona fide and therefore not able to be excluded.<br>Reviewer Comment (2025-05-16): Please provide all Rate Locks and any extensions of the lock or ReLocks. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | XXXXAnti-Predatory Lending Statute: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXXon a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXXor .XXXX%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-06-30): Offset provided for bona fide discount points based on client approval to lower to a ratio of XXXX<br>Reviewer Comment (2025-05-23): The loan does not meet the XXXX ratio to consider the discount points bona fide and excludable. The calculation follows:<br> Undiscounted Starting Rate - XXXX<br> Note Rate - XXXX<br> Loan Discounts - XXXX<br> Undiscounted Starting Rate Price - (-XXXX)<br> XXXX- XXXX= XXXX<br> XXXX- - XXXX= XXXX<br> XXXX/ XXXX= XXXX<br> Since the XXXX ratio is less than the client deal setting ratio of XXXX, the discount points are not considered bona fide and therefore not able to be excluded.<br>Reviewer Comment (2025-05-16): Please provide all Rate Locks and any extensions of the lock or ReLocks. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | No obvious cure C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX month housing history required. Loan file only contains XXXXand XXXXXXXX. Please provide evidence evidence of rental payment history. |  |  |  | Reviewer Comment (2025-05-14): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | There are open Tax liens that are unpaid on the title. |  |  |  | Reviewer Comment (2025-06-03): Final marked up title with XXXX affidavit provided. Cleared.<br>Seller Comment (2025-05-29): (Rate Lock) Final title policy is not yet available - title provided a marked up title commitment in the meantime - see attached email communication and marked up commitment<br>Reviewer Comment (2025-05-23): Please provide final title showing the liens and exceptions on title have been removed.<br>Seller Comment (2025-05-22): (Rate Lock) Please see attached affidavit signed at closing that the borrower is not the same person listed on those liens | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | There are open Tax liens that are unpaid on the title. |  |  |  | Reviewer Comment (2025-06-03): Final marked up title with XXXX affidavit provided. Cleared.<br>Seller Comment (2025-05-29): (Rate Lock) Final title policy is not yet available - title provided a marked up title commitment in the meantime - see attached email communication and marked up commitment<br>Reviewer Comment (2025-05-23): Please provide final title showing the liens and exceptions on title have been removed.<br>Seller Comment (2025-05-22): (Rate Lock) Please see attached affidavit signed at closing that the borrower is not the same person listed on those liens | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115231 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Property being listed for sale after borrower did renovations to property but then chose to use it as a rental. Removed listing XXXX and it is now listed for rent online. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-06): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-06-09): Received replacement coverage with XXXX% insurable value, Exception cleared.<br>Reviewer Comment (2025-06-06): No documentation provided. Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX , prior to XXXX)XXXX) business days from transaction date of XXXX. |  |  |  |  | Reviewer Comment (2025-06-12): XXXX received evidence of accurate material disclosures received on XXXX.<br>Seller Comment (2025-06-10): (Rate Lock) This was not a product change, nor did the APR go up XXXXth it remains the same so it would not require open recession. There was a CD wet signed XXXX. The corrected CD was signed XXXX<br>Reviewer Comment (2025-06-06): Updated CD issued XXXX was signed by the borrower XXXX which makes XXXX the transaction date.<br>Seller Comment (2025-06-05): (Rate Lock) borrower and all docs signed XXXX making the earliest funding date XXXX with the holiday XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2025-06-12): XXXX received evidence of accurate material disclosures received on XXXX.<br>Seller Comment (2025-06-10): (Rate Lock) This was not a product change, nor did the APR go up XXXXth it remains the same so it would not require open recession. There was a CD wet signed XXXX. The corrected CD was signed XXXX<br>Reviewer Comment (2025-06-06): Updated CD issued XXXX was signed by the borrower XXXX which makes XXXX the transaction date.<br>Seller Comment (2025-06-05): (Rate Lock) borrower and all docs signed XXXX making the earliest funding date XXXX with the holiday XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation fee in the amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower at closing. No valid COC provided. |  |  |  | Reviewer Comment (2025-06-09): XXXX received email from LO for change in compensation.<br>Reviewer Comment (2025-06-06): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the compensation changed to borrower paid as overall sec XXXX charges increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of XXXX% LTV exceeds maximum of XXXX% for qualified FICO and exceeds XXXX% for a non permanent XXXX. | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has worked in the same position for more than XXXX years. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-16): Lender exceptions with comp factors.<br>Seller Comment (2025-05-14): (Rate Lock) Exception provided<br>Reviewer Comment (2025-04-28): Lender exception does not address LTV restriction for a non permanent resident alien at XXXX%. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | CLTV of XXXX% LTV exceeds maximum of XXXX% for qualified FICO and exceeds XXXX% for a non permanent resident alien. | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has worked in the same position for more than XXXX years. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-16): Lender exceptions with comp factors.<br>Seller Comment (2025-05-14): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-05-16): Lender accepts application in file.<br>Reviewer Comment (2025-05-02): Provided document is not acceptable. Require complete set of final 1003 document. Exception remains<br>Seller Comment (2025-05-01): (Rate Lock) provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a XXXX and the provided VIsa will expire within XXXX months of closing. Guidelines require additional documentation for proper extension which was not provided in file. |  |  |  | Reviewer Comment (2025-07-03): Received proof of renewal in trailing docs.<br>Seller Comment (2025-07-01): (Rate Lock) Renewal and proof cased was received provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is a XXXX and guidelines require XXXX month bank statements and borrower was qualified with XXXX months. | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has worked in the same position for more than XXXX years. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-16): Lender exceptions with comp factors.<br>Seller Comment (2025-05-14): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-05-27): Lender elects to waive.<br>Seller Comment (2025-05-22): (Rate Lock) Lender accepts the XXXX and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Rent controlled property that requires a XXXX ofXXXX. Subject loan has a XXXX of XXXX. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-15): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (2025-06-11): A disaster end date has not been declared yet. PDI was provided to prove there was no damage done to the property.<br>Seller Comment (2025-06-09): (Rate Lock) PDI provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV of XXXX% exceeds the guideline max of XXXX%. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXXxXXXXxXXXX or better. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-14): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV of XXXX% exceeds the guideline max of XXXX%. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXXxXXXXxXXXX or better. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-14): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX instead of the XXXX acre required for A-XXXX Agricultural zoning. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Property damage is minor or non-material.<br>Miscellaneous | Property is a new build and in excellent condition.<br>Borrower has a strong XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-28): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of XXXX is greater than Guideline total cash-out of XXXX. | Lender approved an exception for cash out over $XXXX. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing access letter from business partner allowing use of business funds and CPA letter is not dated. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has verified disposable income of at least $XXXX.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-02): (Rate Lock) Exception provided for letter<br>Seller Comment (2025-05-30): (Rate Lock) Docs provided for CPA letter and operating agreement<br>Reviewer Comment (2025-05-29): Letter dated post close. Pre-close documentation required.<br>Seller Comment (2025-05-29): (Rate Lock) proof the CPA letter was provided prior to closing provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to assets documentation requirement and reserves requirement not met. |  |  |  | Reviewer Comment (2025-06-06): Received CPA letter and Lender exceptions in trailing docs.<br>Seller Comment (2025-06-04): (Rate Lock) Exception for reserves provided<br>Reviewer Comment (2025-06-02): Missing date CPA letter was provided. Reserve requirement not met. Post dated letter from business co owner provided. Lender exception for being post close. Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-02): (Rate Lock) Exception provided for letter<br>Seller Comment (2025-05-30): (Rate Lock) Docs provided for CPA letter and operating agreement<br>Reviewer Comment (2025-05-29): Letter dated post close. Pre-close documentation required. Print out for receipt of CPA letter does not show the full screen showing it is associate with the subject transaction.<br>Seller Comment (2025-05-28): (Rate Lock) Access letter provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan is waterfalling due to assets documentation requirement and reserves requirement not met. |  |  |  | Reviewer Comment (2025-06-06): Received CPA letter and Lender exceptions in trailing docs.<br>Seller Comment (2025-06-04): (Rate Lock) Exception for reserves provided<br>Reviewer Comment (2025-06-02): Missing date CPA letter was provided. Reserve requirement not met. Post dated letter from business co owner provided. Lender exception for being post close. Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-02): (Rate Lock) Exception provided for letter<br>Seller Comment (2025-05-30): (Rate Lock) Docs provided for CPA letter and operating agreement<br>Reviewer Comment (2025-05-29): Letter dated post close. Pre-close documentation required. Print out for receipt of CPA letter does not show the full screen showing it is associate with the subject transaction.<br>Seller Comment (2025-05-28): (Rate Lock) Access letter provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing access letter from business partner allowing use of business funds, a signed operating agreement showing the percentage of ownership guarantor has. |  |  |  | Reviewer Comment (2025-06-06): Received CPA letter and Lender exceptions in trailing docs.<br>Seller Comment (2025-06-04): (Rate Lock) Exception for reserves provided<br>Reviewer Comment (2025-06-02): Missing date CPA letter was provided. Reserve requirement not met. Post dated letter from business co owner provided. Lender exception for being post close. Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-02): (Rate Lock) Exception provided for letter<br>Seller Comment (2025-05-30): (Rate Lock) Docs provided for CPA letter and operating agreement<br>Reviewer Comment (2025-05-29): Letter dated post close. Pre-close documentation required. Executed Operating Agreement not provided.<br>Reviewer Comment (2025-05-29): Received post dated Evidence of Access to Funds. Exception Remains.<br>Seller Comment (2025-05-28): (Rate Lock) Access letter provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Guidelines limit use of business assets to borrower's ownership percentage in business entity which is XXXX%. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-06): Lender exceptions with comp factors.<br>Seller Comment (2025-06-04): (Rate Lock) Exception for reserves provided<br>Reviewer Comment (2025-06-03): Per guidelines- The amount of business assets that may be utilized is limited to the borrower's ownership percentage in the business (unless XXXX % of ownership is held between the borrower and their spouse).<br>Seller Comment (2025-06-03): (Rate Lock) Equal access letter provided results in enough reserves.<br>Reviewer Comment (2025-06-02): Missing date CPA letter was provided. Reserve requirement not met. Post dated letter from business co owner provided. Lender exception for being post close. Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-02): (Rate Lock) Exception provided for letter<br>Seller Comment (2025-05-30): (Rate Lock) Docs provided for CPA letter and operating agreement<br>Reviewer Comment (2025-05-29): Received post dated Evidence of Access to Funds. Exception Remains.<br>Seller Comment (2025-05-28): (Rate Lock) Access letter provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115241 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing XXXX or more guideline components, the loan is at ATR risk. | Loan is waterfalling due to assets documentation requirement and reserves requirement not met. |  |  |  | Reviewer Comment (2025-06-06): Received CPA letter and Lender exceptions in trailing docs.<br>Seller Comment (2025-06-04): (Rate Lock) Exception for reserves provided<br>Reviewer Comment (2025-06-02): Missing date CPA letter was provided. Reserve requirement not met. Post dated letter from business co owner provided. Lender exception for being post close. Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-02): (Rate Lock) Exception provided for letter<br>Seller Comment (2025-05-30): (Rate Lock) Docs provided for CPA letter and operating agreement<br>Reviewer Comment (2025-05-29): Letter dated post close. Pre-close documentation required. Executed Operating Agreement not provided. Print out for receipt of CPA letter does not show the full screen showing it is associate with the subject transaction.<br>Seller Comment (2025-05-28): (Rate Lock) Access letter provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The loan file does not document the ownership percentage of the borrower in the XXXX and XXXX, and is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-02): Received CPA letter in trailing docs.<br>Reviewer Comment (2025-05-30): The CPA letter stated specific bank accounts that would not be negatively impacted by the use of funds but account #XXXX is not mentioned on CPA letter. Evidence of Access to Funds or supportive document is still required to use in asset for Business Account#XXXX. Exception Remains.<br>Seller Comment (2025-05-28): (Rate Lock) XXXX XXXX is a business account for XXXX Co, which is a different business than XXXX LLC (the business income is being qualified from). The CPA letter verifies that the borrower is XXXX% owner of XXXX Co, which should be sufficient since we are not using income from this business for qualifying.<br>Reviewer Comment (2025-05-27): Page XXXX is closing disclosure and not cash flow analysis and we are still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-23): (Rate Lock) Page XXXX it is the?cash?flow?analysis?statement with an avg deposit.?<br>Reviewer Comment (2025-05-15): CPA letter provided however still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file does not document the ownership percentage of the borrower in the XXXX. |  |  |  | Reviewer Comment (2025-05-15): CPA letter provided and associated. Exception cleared<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing document to evidence ownership percentage of the borrower in the XXXX and XXXX, and is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-02): Received CPA letter in trailing docs.<br>Seller Comment (2025-05-30): (Rate Lock) This is say its not addressed in our guidelines, as its not business income being considered so we defer to XXXX per guides and this is not required. we did confirm the borrower owns XXXX% so no access letter needed.<br>Seller Comment (2025-05-28): (Rate Lock) XXXX XXXX is a business account for XXXX Co, which is a different business than XXXX LLC (the business income is being qualified from). The CPA letter verifies that the borrower is XXXX% owner of XXXX Co, which should be sufficient since we are not using income from this business for qualifying.<br>Reviewer Comment (2025-05-27): Page XXXX is closing disclosure and not cash flow analysis and we are still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-23): (Rate Lock) Page XXXX it is the?cash?flow?analysis?statement with an avg deposit.?<br>Reviewer Comment (2025-05-15): CPA letter provided however still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing document to evidence ownership percentage of the borrower in the XXXX and XXXX, and is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-02): Received CPA letter in trailing docs.<br>Seller Comment (2025-05-30): (Rate Lock) This is say its not addressed in our guidelines, as its not business income being considered so we defer to XXXX per guides and this is not required. we did confirm the borrower owns XXXX% so no access letter needed.<br>Seller Comment (2025-05-28): (Rate Lock) XXXX XXXX is a business account for XXXX Co, which is a different business than XXXX LLC (the business income is being qualified from). The CPA letter verifies that the borrower is XXXX% owner of XXXX Co, which should be sufficient since we are not using income from this business for qualifying.<br>Reviewer Comment (2025-05-27): Page XXXX is closing disclosure and not cash flow analysis and we are still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-23): (Rate Lock) Page XXXX it is the?cash?flow?analysis?statement with an avg deposit.?<br>Reviewer Comment (2025-05-15): CPA letter provided however still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing document to evidence ownership percentage of the borrower in the XXXX and XXXX, and is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-02): Received CPA letter in trailing docs.<br>Seller Comment (2025-05-30): (Rate Lock) This is say its not addressed in our guidelines, as its not business income being considered so we defer to XXXX per guides and this is not required. we did confirm the borrower owns XXXX% so no access letter needed.<br>Seller Comment (2025-05-28): (Rate Lock) XXXX XXXX is a business account for XXXX Co, which is a different business than XXXX LLC (the business income is being qualified from). The CPA letter verifies that the borrower is XXXX% owner of XXXX Co, which should be sufficient since we are not using income from this business for qualifying.<br>Reviewer Comment (2025-05-27): Page XXXX is closing disclosure and not cash flow analysis and we are still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-23): (Rate Lock) Page XXXX it is the?cash?flow?analysis?statement with an avg deposit.?<br>Reviewer Comment (2025-05-15): CPA letter provided however still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file does not document the ownership percentage of the borrower in the XXXX and XXXX, and is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-02): Received CPA letter in trailing docs.<br>Seller Comment (2025-05-30): (Rate Lock) This is say its not addressed in our guidelines, as its not business income being considered so we defer to XXXX per guides and this is not required. we did confirm the borrower owns XXXX% so no access letter needed.<br>Reviewer Comment (2025-05-30): The CPA letter stated specific bank accounts that would not be negatively impacted by the use of funds but account #XXXX is not mentioned on CPA letter. Evidence of Access to Funds or supportive document is still required to use in asset for Business Account#XXXX. Exception Remains.<br>Seller Comment (2025-05-28): (Rate Lock) XXXX XXXX is a business account for XXXX Co, which is a different business than XXXX LLC (the business income is being qualified from). The CPA letter verifies that the borrower is XXXX% owner of XXXX Co, which should be sufficient since we are not using income from this business for qualifying.<br>Reviewer Comment (2025-05-27): Page XXXX is closing disclosure and not cash flow analysis and we are still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-23): (Rate Lock) Page XXXX it is the?cash?flow?analysis?statement with an avg deposit.?<br>Reviewer Comment (2025-05-15): CPA letter provided however still missing with Evidence of Access to Funds for business bank account #XXXX indicating withdrawal of funds from business bank accounts will not have negative impact on the business. Exception remains<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not document the ownership percentage of the borrower in the XXXX. |  |  |  | Reviewer Comment (2025-05-15): CPA provided and associated. Exception cleared<br>Seller Comment (2025-05-14): (Rate Lock) CPA letter provided verifying this info | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Please provide evidence the company has been in business XXXX years. The starting date for XXXX is not evidenced in the file and XXXX has only been active since XXXX, per the filing documentation provided. |  |  |  | Reviewer Comment (2025-06-11): Received articles of organization showing employment start dates in trailing docs.<br>Seller Comment (2025-06-08): (Rate Lock) Amended articles showing the business has been around since XXXX<br>Reviewer Comment (2025-06-06): Per Compliance, valid employment exception as Guideline requirements were not met prior to closing. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | HOA with outstanding critical repairs (see engineer report). HOA has not obtained any bids for the repairs as of yet. Repairs have not been started. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | FICO XXXX vs min XXXX<br>Housing History XXXX months XXXXxXXXX | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-23): Lender exceptions with comp factors.<br>Seller Comment (2025-05-22): Our investor approved the condo exception knowing the HOA did not have the amounts of the repair work and that repairs have not been started. The HOA advised to our staff that the repairs were just bid out and they had not yet chosen a contractor. <br>The engineer report dated XXXX stated within that report that "The exterior envelop repairs need to be specified, competitively bid to appropriate exterior contractors, and work initiated within the next XXXX months" and "The necessary waterproofing work must be specified, competitively bid to appropriate exterior contractors, and work initiated within the next XXXX months." No other repairs had a timeline specified. Since the HOA had obtained the bids and were in process of selecting a contractor, it's clear they were following the engineer's recommendations. Additionally, the engineer provided a letter stating the building is structurally sound and may remain fully occupied.<br>Our investor accepted the compensating factors provided but what's clearly compelling is the XXXX% reserves allocation vs min XXXX% and current reserves of $ XXXX. It's clear the HOA has started the process and has intention/resources to complete the repairs. Additionally, XXXX guidelines do not require bids or for the repairs to be started and we approve non-warrantable condo exceptions for critical repairs on a case by case basis at our discretion and our investors' discretion.<br>Seller Comment (2025-05-22): attached<br>Seller Comment (2025-05-22): they knew we did have bids and repairs not started. We got verbal information after submitting that the HOA did have bids but hadn't selected the contractor. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Minimum XXXX-month period of bank statement is required. XXXX month period Bank statement for account #XXXX was provided. |  |  |  | Reviewer Comment (2025-06-17): Received the wire receipt in trailing docs.<br>Seller Comment (2025-06-13): ATTACHED<br>Reviewer Comment (2025-06-04): The wire receipt from the settlement agent is missing from the loan file to meet Guidelines below. We only have a gift letter and the wire transaction from XXXX from the donor for the $XXXX. XXXXmonth bank statement not required.<br>Reviewer Comment (2025-05-23): Bank statement provided is the same included in the original file upload. XXXX month bank statement for XXXX ending in XXXX is still required.<br>Seller Comment (2025-05-21): attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Housing payment history is XXXXxXXXXxXXXX or better | SitusAMC<br>Originator | Reviewer Comment (2025-06-05): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115250 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator<br>Originator,SitusAMC | Reviewer Comment (2025-06-03): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115252 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | File is missing evidence valuation was received by borrower at least XXXX business days prior to closing. |  |  |  | Reviewer Comment (2025-06-06): Received proof of appraisal delivery in trailing docs. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Refinance - Rate/Term | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing XXXX months housing history required by guidelines. Borrower at current address for XXXX months, missing letter for verification of living rent free for previous address. |  |  |  | Reviewer Comment (2025-06-20): Exception cleared. Received Letter of Explanation and updated correctly.<br>Seller Comment (2025-06-18): (Rate Lock) LOE provided<br>Reviewer Comment (2025-05-30): CF states there are no mortgage lates in the last XXXX months, but the credit only shows XXXX months of mortgage history. The 1003 shows living rent free prior to the purchase of a primary XXXX mon prior. Living rent free plus XXXX mon on credit cannot be considered as XXXX months goof mortgage history. Provide any additional mortgage history being referenced in the XXXX .<br>Seller Comment (2025-05-30): (Rate Lock) States good 'credit' history.<br>Reviewer Comment (2025-05-29): Correction in Comp Factors as the exception for housing history and CF states good housing history.<br>Seller Comment (2025-05-27): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXX points and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXXstandard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX, Note Rate - XXXX, Loan Discounts - XXXX, Undiscounted Starting Rate Price - XXXX.<br> XXXX does not meet XXXX deal setting (XXXX) for discount point standard ratio for exclusion. Based on this definition, XXXXas a TPR uses XXXX% as the "established industry practice" by default. While the XXXX% threshold test is used by XXXX as the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXX implemented the default approach of using XXXX to have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXXwas determined based on (1) prior GSE guidance of a XXXXratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXXratio; and (3) states that require a specific ratio in their exclusion considerations, (including XXXX, that require a XXXXratio with XXXX requiring a XXXX year recoupment that is essentially a XXXXratio. In the event the XXXX wishes to lower their threshold to XXXX, that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing high cost. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXXpoints and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXXstandard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX, Note Rate - XXXX, Loan Discounts - XXXX, Undiscounted Starting Rate Price - XXXX.<br> XXXX does not meet XXXX deal setting (XXXX) for discount point standard ratio for exclusion. Based on this definition, XXXXas a TPR uses XXXX% as the "established industry practice" by default. While the XXXX% threshold test is used by XXXXas the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXXimplemented the default approach of using XXXXto have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXXwas determined based on (1) prior GSE guidance of a XXXXratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXXratio; and (3) states that require a specific ratio in their exclusion considerations, (includingXXXX), that require a XXXXratio with XXXX requiring a XXXX year recoupment that is essentially a XXXXratio. In the event the XXXX wishes to lower their threshold to XXXX, that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing high cost. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed Points and Fees. |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXX points and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXXstandard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX, Note Rate - XXXX, Loan Discounts - XXXX, Undiscounted Starting Rate Price - XXXX.<br> XXXX does not meetXXXX deal setting (XXXX) for discount point standard ratio for exclusion. Based on this definition, XXXX as a TPR uses XXXX% as the "established industry practice" by default. While the XXXX% threshold test is used by XXXX as the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXXimplemented the default approach of using XXXXto have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXXwas determined based on (1) prior GSE guidance of a XXXXratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXXratio; and (3) states that require a specific ratio in their exclusion considerations, (including XXXX, that require a XXXXratio with XXXX requiring a XXXX year recoupment that is essentially a XXXXratio. In the event the XXXX wishes to lower their threshold to XXXX, that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing high cost. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX % of the amount past due or grace period of less than XXXX days. | Mortgage loan contains a late charge that exceeds the greater of XXXX% of the amount past due or grace period of less than XXXX days. |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXX points and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXX standard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX , Note Rate - XXXX , Loan Discounts - XXXX , Undiscounted Starting Rate Price - XXXX .<br> XXXX does not meet XXXX deal setting (XXXX) for discount point standard ratio for exclusion. Based on this definition, XXXX as a TPR uses XXXX % as the "established industry practice" by default. While the XXXX % threshold test is used by XXXX as the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXX implemented the default approach of using XXXX to have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXX was determined based on (1) prior GSE guidance of a XXXX ratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXX ratio; and (3) states that require a specific ratio in their exclusion considerations, (including XXXX), that require a XXXX ratio with XXXX requiring a XXXX year recoupment that is essentially a XXXX ratio. In the event the XXXX wishes to lower their threshold to XXXX , that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing high cost. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the XXXX Total Loan Amount. Points and Fees of $XXXX on a XXXX Total Loan Amount of $XXXX vs. an allowable total of $v\XXXX(an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX% of the XXXX Total Loan Amount. Points and Fees of $XXXX on a FedXXXX eral Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXX points and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXX standard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX , Note Rate - XXXX , Loan Discounts - XXXX , Undiscounted Starting Rate Price - XXXX .<br> XXXX does not meet XXXX deal setting (XXXX) for discount point standard ratio for exclusion. Based on this definition, XXXX as a TPR uses XXXX % as the "established industry practice" by default. While the XXXX % threshold test is used by XXXX as the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXX implemented the default approach of using XXXX to have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXX was determined based on (1) prior GSE guidance of a XXXX ratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXX ratio; and (3) states that require a specific ratio in their exclusion considerations, (including XXXX that require a XXXX ratio with XXXX requiring a XXXX year recoupment that is essentially a XXXX ratio. In the event the XXXX wishes to lower their threshold to XXXX , that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing XXXX% points and fees test. Threshold is $XXXX and fees are $XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXX points and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXX standard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX , Note Rate - XXXX , Loan Discounts - XXXX , Undiscounted Starting Rate Price - XXXX .<br> XXXX does not meet XXXX deal setting (XXXX) for discount point standard ratio for exclusion. Based on this definition, XXXX as a TPR uses XXXX % as the "established industry practice" by default. While the XXXX % threshold test is used by XXXX as the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXX implemented the default approach of using XXXX to have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXX was determined based on (1) prior GSE guidance of a XXXX ratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXX ratio; and (3) states that require a specific ratio in their exclusion considerations, (includingXXXX), that require a XXXX ratio with XXXX requiring a XXXX year recoupment that is essentially a XXXX ratio. In the event the XXXX wishes to lower their threshold to XXXX , that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing high cost. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | XXXX Anti-Predatory Lending Statute: Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXXon a Total Loan Amount of $XXXXvs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %). Compliant High Cost Loan. | Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXXon a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX%). Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-06-30): Client agreed to discount point ratio of XXXX which allows XXXX discount points to be excluded. Manual offset provided and loan is no longer high cost.<br>Reviewer Comment (2025-05-27): XXXX points and fees testing is not excluding loan discounts from the HOEPA P&F test based on the rate reduction ratio not meeting the XXXX standard under client deal settings. Calculation:<br> Undiscounted Starting Rate - XXXX , Note Rate - XXXX , Loan Discounts - XXXX , Undiscounted Starting Rate Price - XXXX .<br> XXXX does not XXXXdeal settingXXXX) for discount point standard ratio for exclusion. Based on this definition, XXXX as a TPR uses XXXX % as the "established industry practice" by default. While the XXXX % threshold test is used by XXXX as the default, this amount can be adjusted by the client to any reasonable level to meet their own risk tolerance. XXXX implemented the default approach of using XXXX to have a reasonable threshold in place to meet the requirement in the definition to reduce the rate consistent with "established industry practices". The XXXX was determined based on (1) prior GSE guidance of a XXXX ratio for exclusion consideration, (understanding this has subsequently been removed and the GSE's do not currently offer guidance for this purpose); (2) the example in the commentary that references the consideration of a XXXX ratio; and (3) states that require a specific ratio in their exclusion considerations, (includingXXXX), that require a XXXX ratio with XXXX requiring a XXXX year recoupment that is essentially a XXXX ratio. In the event theXXXX r wishes to lower their threshold to XXXX , that may be an option to consider the discount points as bona fide.<br>Seller Comment (2025-05-22): (Rate Lock) Loan is passing XXXX% points and fees test. Threshold is $XXXX and fees are XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | No obvious cure C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for XXXX less than XXXX . Compensating factor provided does not support downgrading/waiving of the exception. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXXxXXXXxXXXX or better and XXXX years XXXX. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Lender exceptions with comp factors.<br>Seller Comment (2025-05-28): (Rate Lock) Approved exceptions provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXXxXXXXxXXXX or better and XXXX years XXXX. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Lender exceptions with comp factors.<br>Seller Comment (2025-05-28): (Rate Lock) Approved exceptions provided<br>Reviewer Comment (2025-05-15): Leasehold does not expire after the mortgage maturity by a minimum of XXXX years as required by guidelines. Exception remains.<br>Seller Comment (2025-05-13): (Rate Lock) Provided<br>Seller Comment (2025-05-13): (Rate Lock) This was with the signed docs. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | XXXX properties are ineligible. |  | Title shows the property in XXXX . Guidelines do not permit XXXX properties. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXXxXXXXxXXXX or better and XXXX years XXXX. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Lender exceptions with comp factors.<br>Seller Comment (2025-05-28): (Rate Lock) Approved exceptions provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Title is not vested in subject property's name. File is missing a Warranty Deed showing the deed was transferred top the borrower. |  |  |  | Reviewer Comment (2025-05-15): Transfer of assignment of lease to borrower provided. Exception cleared.<br>Seller Comment (2025-05-13): (Rate Lock) Please refer to 'Assignment of Leasehold Interest' | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within XXXX (XXXX) business days of application. |  |  |  |  | Reviewer Comment (2025-05-30): Client elects to waive.<br>Seller Comment (2025-05-27): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-10): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-06-09): (Rate Lock) PCCD and check provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject has XXXX Units. XXXX units are vacant XXXX unit is short term lease. Lease is executed by an employer for temporary employees. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The XXXX is greater than the guideline requirement by XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>XXXX: XXXX<br> Guideline Requirement: XXXX<br>XXXX: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXX or better. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-27): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing |  |  |  | Reviewer Comment (2025-06-02): Corporate Resolution not required. Exception Cleared.<br>Seller Comment (2025-05-29): (Rate Lock) Not needed as borrower is sole member and owns XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing |  |  |  | Reviewer Comment (2025-06-02): EIN shows sole owner.<br>Reviewer Comment (2025-06-02): Please provide signed and dated operating agreement to confirm ownership percentage. Exception remains.<br>Seller Comment (2025-05-30): (Rate Lock) This is not needed. There is no operating agreement when the borrower is the sole member. They have full rights to act on the XXXX since they own it outright.<br>Reviewer Comment (2025-05-29): Copy of fully executed operating agreement reflecting the borrower is an authorized signer on behalf of the LLC and has the power to the first mortgage the security property for the purpose of loan. Exception remains.<br>Seller Comment (2025-05-29): (Rate Lock) Not needed as borrower is sole member and owns XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115264 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for max XXXX % LTV for FTHB living rent free. | Borrower has worked in the same position for more than XXXX years.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower has verified disposable income of at least $XXXX. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for max XXXX % LTV for FTHB living rent free. | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: XXXX; Received Date: XXXX; Signed Date: XXXX | Closing Disclosure dates are not in chronological order. Issue Date: XXXX ; Received Date: XXXX ; Signed Date: XXXX . |  |  |  | Reviewer Comment (2025-06-13): Received explanation from lender explaining the error.<br>Seller Comment (2025-06-11): Please see attached.<br>Reviewer Comment (2025-06-06): Please provide an attestation from the Lender confirming borrower in error signed theXXXX PCCD with an incorrect XXXX date. Upon receipt, will further address.<br>Seller Comment (2025-06-05): (Rate Lock) We have the main CD dated and Issued on the /XXXX , please check XXXX the CD Issued on the XXXX , borrower decided to sign in the XXXX st to match the date of the first CD . and there is no issue on that since we have the one dated and signed on the correct date . Please review and clear the condition. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX | The subject property is located in a FEMA Disaster area post-close. There is no end declared date for the disaster as of yet. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | Reviewer Comment (2025-06-11): A disaster end date has not been declared yet. PDI was provided to confirm no damage was done to the property.<br>Seller Comment (2025-06-09): (Rate Lock) PDI provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX overdrafts in XXXX months. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than XXXX years and has housing payment history is XXXXxXXXXxXXXX or better.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX<br> Guideline Maximum DTI: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-19): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Lender approved an exception for reserves less than XXXX months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-05): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | No evidence of appraisal being sent to borrower XXXX days prior to closing. |  |  |  | Reviewer Comment (2025-06-10): Client elects to waive.<br>Seller Comment (2025-06-06): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | No evidence of appraisal being sent to borrower XXXX days prior to closing. |  |  |  | Reviewer Comment (2025-06-10): Client elects to waive.<br>Seller Comment (2025-06-06): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of XXXX is less than Guideline required borrower's own funds of XXXX. | 5% borrower own funds not contributed to the transaction. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-16): Waived with Compensating Factors at Customer request. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115269 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Title is not vested is in the borrower name and Warranty deed showing deed was transferred to the borrower was not provided. |  |  |  | Reviewer Comment (2025-05-30): Received deed in trailing docs.<br>Seller Comment (2025-05-28): (Rate Lock) Please see attached - deed is on pages XXXX | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - XXXX | File is missing insurance verification for XXXX |  |  |  | Reviewer Comment (2025-06-17): Received CD in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) FP shows monthly HOI amount | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing mortgage statement for XXXX |  |  |  | Reviewer Comment (2025-06-17): Received CD in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) Final CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - XXXX | File is missing mortgage statement for XXXX |  |  |  | Reviewer Comment (2025-06-17): Received CD in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) Final CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing mortgage statement for XXXX . |  |  |  | Reviewer Comment (2025-06-17): Received CD in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing mortgage statement for XXXX . |  |  |  | Reviewer Comment (2025-06-17): Received CD in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - XXXX | File is missing mortgage statement for XXXX . |  |  |  | Reviewer Comment (2025-06-17): Received CD in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-17): Client elects to waive.<br>Seller Comment (2025-06-16): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-17): Client elects to waive.<br>Seller Comment (2025-06-16): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation discrepancy due to missing income documents. |  |  |  | Reviewer Comment (2025-05-30): Rental income was excluded<br>Seller Comment (2025-05-27): (Rate Lock) Please see exception - not using income from departure residence | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO XXXX % Method | Ability to Repay (Dodd-Frank XXXX): Unable to verify Real Estate Owned income (XXXX % Method) using reasonably reliable XXXX - party records. | UPDATED XXXX \*\*\*File is missing copy of the current lease and XXXX months of proof of the receipt of rental income for XXXX XXXX property. |  |  |  | Reviewer Comment (2025-05-30): Rental income was excluded<br>Seller Comment (2025-05-27): (Rate Lock) Please see exception - not using income from departure residence | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO XXXX % Method | Ability to Repay (Dodd-Frank XXXX): Unable to verify Real Estate Owned income (XXXX % Method) using reasonably reliable XXXX - party records. | File is missing copy of the current lease and XXXX months of proof of the receipt of rental income for XXXX XXXX property. |  |  |  | Reviewer Comment (2025-05-23): Received lease agreement in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing income documents. |  |  |  | Reviewer Comment (2025-05-30): Rental income was excluded | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing income documents. |  |  |  | Reviewer Comment (2025-05-30): Received income docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | UPDATE:XXXX \*\*\*\*\*\*\*Business Narrative form for XXXX was not provided. |  |  |  | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors.<br>Reviewer Comment (2025-06-19): Only Lender Exception in file is for DTI with no other items in file or comments for additional items. Please provide additional information on the post close Business Narrative to determine if there was alternate documentation in file which provided all the information and was relied upon in its' place?<br>Seller Comment (2025-06-17): (Rate Lock) Exception added for doc being post close - CPA letter was used at time of closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing income documents. |  |  |  | Reviewer Comment (2025-06-24): System cleared with Compensating Factors from Lender Exception.<br>Reviewer Comment (2025-06-19): Only Lender Exception in file is for DTI with no other items in file or comments for additional items. Please provide additional information on the post close Business Narrative to determine if there was alternate documentation in file which provided all the information and was relied upon in its' place?<br>Seller Comment (2025-06-17): (Rate Lock) Exception added for doc being post close - CPA letter was used at time of closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | UPDATE:XXXX \*\*\*\*\*\*\*Business Narrative form for XXXX was not provided. | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors.<br>Reviewer Comment (2025-06-19): Only Lender Exception in file is for DTI with no other items in file or comments for additional items. Please provide additional information on the post close Business Narrative to determine if there was alternate documentation in file which provided all the information and was relied upon in its' place?<br>Seller Comment (2025-06-17): (Rate Lock) Exception added for doc being post close - CPA letter was used at time of closing<br>Reviewer Comment (2025-06-16): Documentation received is dated post close.<br>Reviewer Comment (2025-05-23): Loan file is missing a Business narrative form for XXXX<br>Seller Comment (2025-05-22): (Rate Lock) Do not see this listed as a business | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation due to missing income documents. |  |  |  | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors.<br>Reviewer Comment (2025-06-19): Only Lender Exception in file is for DTI with no other items in file or comments for additional items. Please provide additional information on the post close Business Narrative to determine if there was alternate documentation in file which provided all the information and was relied upon in its' place?<br>Seller Comment (2025-06-17): (Rate Lock) Exception added for doc being post close - CPA letter was used at time of closing<br>Reviewer Comment (2025-06-16): Documentation received is dated post close. Unable to clear. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Guidelines require a copy of the fully executed operating agreement reflecting the borrower is an authorized signer on behalf of the LLC and has the power to XXXX mortgage the security property for the purpose of securing a loan. |  |  |  | Reviewer Comment (2025-06-12): Received CPA letter showing borrower is the sole member in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property being listed on the market within the last XXXX days. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Housing payment history is XXXX or better. | SitusAMC<br>Originator | Reviewer Comment (2025-06-06): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved an exception for FICO score less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Housing payment history is XXXX or better. | SitusAMC<br>Originator | Reviewer Comment (2025-06-06): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | No evidence borrower received appraisal at least XXXX business days prior to closing. |  |  |  | Reviewer Comment (2025-05-30): Client elects to waive.<br>Seller Comment (2025-05-30): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing XXXX months' XXXX) for borrower, XXXX months provided. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX<br> Guideline Maximum DTI XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for condo not meeting pre-sale requirement and the project is not substantially completed. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115276 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved an exception for XXXX % LTV with FICO score of XXXX which is less than the guideline requirement of XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for borrower being a XXXX - time home buyer and first-time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-28): Housing payment history is XXXX or better. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to PITIA reserves of XXXX less than guideline requirement of 6 resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (2025-05-30): Earnest money deposits source of fund deposit received and updated. Exception cleared<br>Seller Comment (2025-05-28): Asset rebuttal sent - please review. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. |  |  |  | Reviewer Comment (2025-05-29): E-Sign Consent provided exception cleared.<br>Seller Comment (2025-05-28): Please see attached e-consent authorization. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX . |  |  |  | Reviewer Comment (2025-05-30): Earnest money deposits source of fund deposit received and updated. Exception cleared<br>Seller Comment (2025-05-29): Please see attached.<br>Reviewer Comment (2025-05-29): Source document for earnest money deposit is required exception remains.<br>Seller Comment (2025-05-28): Borrower has more than XXXX months in reserves; please see attached. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to PITIA reserves of XXXX less than guideline requirement of XXXX . |  |  |  | Reviewer Comment (2025-05-30): Earnest money deposits source of fund deposit received and updated. Exception cleared<br>Seller Comment (2025-05-28): Please see attached. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal was provided to the borrower XXXX and appraisal report date is XXXX . |  |  |  | Reviewer Comment (2025-05-30): Delivery provided.<br>Seller Comment (2025-05-28): Please see attached. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-30): Client elects to Waive. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of revised valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-30): Client elects to Waive. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | UPDATED XXXX \*\*\*\*\*\*Loan designation discrepancy due to DTI moderately exceeding the guideline minimum. |  |  |  | Reviewer Comment (2025-06-10): System cleared with Compensating Factors from Lender Exception.<br>Seller Comment (2025-06-06): (Rate Lock) approved exception provided<br>Reviewer Comment (2025-06-04): Require additional compensating factors as reserves meets the guideline minimum of XXXX months and not a compelling compensating factor.<br>Seller Comment (2025-06-04): (Rate Lock) DIT exception provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Disclosed Amount Financed are $XXXX . Calculated Amount Financed are $XXXX . There is a variance of $XXXX . |  |  |  | Reviewer Comment (2025-06-06): Cured prior to discovery.<br>Seller Comment (2025-06-05): (Rate Lock) No CD reflects $XXXX<br>Reviewer Comment (2025-06-04): The CD with an issue date of XXXX<br>Seller Comment (2025-06-04): (Rate Lock) Please advise what CD reflects finance charges of XXXX . | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Disclosed Finance Charges are $XXXX . Calculated Finance Charges are $XXXX . There is a variance of $XXXX . |  |  |  | Reviewer Comment (2025-06-06): Exception was cured prior to discovery.<br>Seller Comment (2025-06-05): (Rate Lock) No CD reflects $XXXX<br>Reviewer Comment (2025-06-04): The CD with an issue date of XXXX<br>Seller Comment (2025-06-04): (Rate Lock) Please advise what CD reflects finance charges of XXXX . | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | UPDATED XXXX \*\*\*\*\*\*waterfall due to DTI moderately exceeding the guideline minimum. |  |  |  | Reviewer Comment (2025-06-10): System cleared with Compensating Factors from Lender Exception.<br>Seller Comment (2025-06-06): (Rate Lock) approved exception provided<br>Reviewer Comment (2025-06-04): Require additional compensating factors as reserves meets the guideline minimum of XXXX months and not a compelling compensating factor.<br>Seller Comment (2025-06-04): (Rate Lock) DIT exception provided<br>Seller Comment (2025-06-02): (Rate Lock) Total assets verified : $XXXX <br> Funds for closing : $XXXX <br> Remaining funds for reserves: $XXXX <br> PITI: XXXX <br> XXXX <br> Which meets the XXXX months reserves requirement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank XXXX): The DTI calculated in accordance with the Lenders Guidelines and XXXX (c)(XXXX) of XXXX % moderately exceeds the guideline maximum of XXXX %. (DTI Exception is eligible to be regraded with compensating factors.) | UPDATED XXXX \*\*\*\*\*\*waterfall due to DTI moderately exceeding the guideline minimum. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Miscellaneous | Borrower has worked in the same position for more than XXXX years.<br>Required credit score XXXX, borrower score XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-10): DTI Moderately Exceeds. Lender Exception provided with Compensating Factors. Exception down graded and Waived.<br>Seller Comment (2025-06-06): (Rate Lock) approved exception provided<br>Reviewer Comment (2025-06-04): Require additional compensating factors as reserves meets the guideline minimum of XXXX months and not a compelling compensating factor.<br>Seller Comment (2025-06-04): (Rate Lock) DIT exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | The calculated DTI of XXXX % moderately exceeds the guideline maximum of XXXX %. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Miscellaneous | Borrower has worked in the same position for more than XXXX years.<br>Required credit score XXXX, borrower score XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-06-06): (Rate Lock) approved exception provided<br>Reviewer Comment (2025-06-04): Require additional compensating factors as reserves meets the guideline minimum of XXXX months and not a compelling compensating factor.<br>Seller Comment (2025-06-04): (Rate Lock) DIT exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Policy has a Coverage Shortfall of $XXXX . |  |  |  | Reviewer Comment (2025-06-25): Exception cleared - Replacement cost estimator received and updated clarity.<br>Seller Comment (2025-06-25): (Rate Lock) RCE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-05-09): E-sign Consent Agreement received and updated .Exception cleared<br>Seller Comment (2025-05-08): (Rate Lock) Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | Verification appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-06-06): Documentation provided.<br>Seller Comment (2025-06-06): (Rate Lock) Proof provided<br>Reviewer Comment (2025-06-05): The email from XXXX at XXXX(Doc XXXX) states: "The true and correct copy of the appraisal has a Date of Signature and Report ofXXXX as a result of a revision requested by the lender after the initial deliver on XXXX.".The Supplemental Addendum on the revised appraisal (Doc XXXX) indicates that the revision request date was XXXX and the appraiser's revision to add the borrower's name was dated XXXX. Based on this information, it appears that the initial appraisal dated XXXX may have had an initial delivery date of XXXX and the revised appraisal was completed on XXXX. Although the rebuttal states that the revised appraisal signature date should be XXXX, this is not supported by the communication fromXXXX or the appraiser as previously noted. We require clear evidence the XXXX appraisal was delivered XXXX, unable to accept an LOE. Please confirm if your offices are open for business on XXXX. If so, please provide attestation.<br>Seller Comment (2025-06-04): (Rate Lock) Cert provided confirming dates for appraisal<br>Seller Comment (2025-06-02): (Rate Lock) LOE provided<br>Reviewer Comment (2025-05-09): Appraisal report date is XXXX and Appraisal document delivery shows received date as XXXX which is not acceptable . Exception remains<br>Seller Comment (2025-05-08): (Rate Lock) Proof it was delivered XXXX , which is XXXX days prior to closing | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXX Non Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-06-16): Updated documents provided.<br>Reviewer Comment (2025-06-16): We need clarification from the originating lender on whether they are open or not for substantially all of their business functions on XXXX. We are unable to show yes for some operations but not for others. From the way business day is defined under the Truth in Lending Act, it is imperative to completing accurate testing to determine whether XXXXs are counted as a business day.<br>Seller Comment (2025-06-12): (Rate Lock) The document states "As the lender, in all cases around delivery, receipt, and waiting periods, we count XXXX." We are not physically open to send documents, and is not counted for initial LE Therefore this is compliant.<br>Reviewer Comment (2025-06-11): Email provided shows the appraisal was sent XXXX, however the borrower did not reply that it was received, so the XXXX day mail rule applies and does not support delivery XXXX days prior to closing.<br>Seller Comment (2025-06-06): (Rate Lock) Proof provided<br>Reviewer Comment (2025-06-05): The email from XXXX at XXXX (Doc XXXX) states: "The true and correct copy of the appraisal has a Date of Signature and Report of XXXX as a result of a revision requested by the lender after the initial deliver on XXXX.".The Supplemental Addendum on the revised appraisal (Doc XXXX) indicates that the revision request date was XXXX and the appraiser's revision to add the borrower's name was dated XXXX. Based on this information, it appears that the initial appraisal dated XXXX may have had an initial delivery date of XXXX and the revised appraisal was completed on XXXX. Although the rebuttal states that the revised appraisal signature date should be XXXX, this is not supported by the communication from XXXX or the appraiser as previously noted. We require clear evidence the XXXX appraisal was delivered XXXX, unable to accept an LOE. Please confirm if your offices are open for business on XXXX. If so, please provide attestation.<br>Seller Comment (2025-06-04): (Rate Lock) Cert provided confirming dates for appraisal<br>Seller Comment (2025-06-02): (Rate Lock) LOE provided<br>Reviewer Comment (2025-05-09): Appraisal report date is XXXX and Appraisal document delivery shows received date as XXXX which is not acceptable . Exception remains<br>Seller Comment (2025-05-08): (Rate Lock) Proof it was delivered XXXX , which is XXXX days prior to closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-06-06): Documentation provided.<br>Seller Comment (2025-06-06): (Rate Lock) Proof provided<br>Reviewer Comment (2025-06-05): XXXX<br>Seller Comment (2025-06-04): (Rate Lock) Cert provided confirming dates for appraisal<br>Reviewer Comment (2025-06-03): Appraisal Notice (XXXX) is not reflecting the exact date of the appraisal being provided to the borrower from the previous lender iOS not confirmed. It just indicates that there was a typo. Exception Remains.<br>Seller Comment (2025-06-02): (Rate Lock) LOE provided<br>Reviewer Comment (2025-05-09): Appraisal report date is XXXX and Appraisal document delivery shows received date as XXXX which is not acceptable . Exception remains<br>Seller Comment (2025-05-08): (Rate Lock) Proof it was delivered XXXX , which is XXXX days prior to closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX . | Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX<br> Guideline Maximum DTI: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors.<br>Seller Comment (2025-05-23): (Rate Lock) Approved exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to reserves requirement not being met. |  |  |  | Reviewer Comment (2025-05-29): Lender exceptions with comp factors.<br>Seller Comment (2025-05-23): (Rate Lock) Approved exception provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is waterfalling due to reserves requirement not being met. |  |  |  | Reviewer Comment (2025-05-29): Lender exceptions with comp factors.<br>Seller Comment (2025-05-23): (Rate Lock) Approved exception provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Please provide appraisal transfer letter. |  |  |  | Reviewer Comment (2025-06-05): Client accepts EV2 grade.<br>Seller Comment (2025-06-05): (Rate Lock) This is not required by guides, please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank XXXX): Safe Harbor requirements not satisfied. | Please provide appraisal transfer letter and delivery of all appraisals. |  |  |  | Reviewer Comment (2025-06-05): Client accepts EV2 grade.<br>Seller Comment (2025-06-05): (Rate Lock) we do not require these in our guides, please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within XXXX (XXXX) business days of application. |  |  |  |  | Reviewer Comment (2025-06-16): XXXX received lender attestation rebuttal that company is not open on XXXX for business functions.<br>Seller Comment (2025-06-12): (Rate Lock) The document states "As the lender, in all cases around delivery, receipt, and waiting periods, we count XXXX." We are not physically open to send documents, and is not counted for initial LE Therefore this is compliant.<br>Reviewer Comment (2025-06-11): Doc XXXX states that XXXX is considered a operating business day for the company and thus it is counted in LE delivery, which would be XXXX delivery required.<br>Seller Comment (2025-06-11): (Rate Lock) XXXX business days of application of XXXX is XXXX | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within XXXX days of the loan application date. | Date of receipt by borrower not provided. |  |  |  | Reviewer Comment (2025-06-16): Client elects to waive.<br>Seller Comment (2025-06-12): (Rate Lock) Please waive<br>Reviewer Comment (2025-06-11): Client elects to Waive.<br>Seller Comment (2025-06-11): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within XXXX days of the loan application date. | Date of receipt by borrower not provided. |  |  |  | Reviewer Comment (2025-06-16): Updated documents provided.<br>Reviewer Comment (2025-06-16): We need clarification from the originating lender on whether they are open or not for substantially all of their business functions on XXXX. We are unable to show yes for some operations but not for others. From the way business day is defined under the Truth in Lending Act, it is imperative to completing accurate testing to determine whether XXXXs are counted as a business day.<br>Seller Comment (2025-06-12): (Rate Lock) The document states "As the lender, in all cases around delivery, receipt, and waiting periods, we count XXXX." We are not physically open to send documents, and is not counted for initial LE Therefore this is compliant.<br>Reviewer Comment (2025-06-11): Doc XXXX states that XXXX is considered a operating business day for the company and thus it is counted in LE delivery, which would be XXXX delivery required.<br>Seller Comment (2025-06-09): (Rate Lock) This was sent in the initial package onXXXX. XXXX days from application was XXXX but is a XXXX and we do not disclosed ILEs on XXXX. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXX): List of Homeownership Counseling Organizations not provided to applicant within XXXX (XXXX) business days of application. | Date of receipt by borrower not provided. |  |  |  | Reviewer Comment (2025-06-10): Client elects to waive.<br>Seller Comment (2025-06-09): (Rate Lock) Lender accepts the EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of revised valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-17): Client elects to waive.<br>Seller Comment (2025-06-16): (Rate Lock) Lender accepts the EV2 and wishes to clear | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115286 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX . | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Loan to Value: XXXX<br> Guideline Maximum Loan to Value: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXXor better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-03): Housing payment history is XXXX or better | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115287 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception for DSCR score of XXXX which is less than the guideline minimum of XXXX . | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: $XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-03): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception allowing DSCR less than XXXX . Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>Miscellaneous | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>LTV of XXXX% allowed.<br>Mortgage XXXX | Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-06-03): (Rate Lock) exception with CFs provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for borrower living rent free. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXX or better. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-27): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115293 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a vacant subject property with a loan amount less than $XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC | Reviewer Comment (2025-06-06): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan XXXX Test | TILA HPML appraisal Rule (Dodd-Frank XXXX): XXXX requirements not satisfied. | Appraisal Transfer Letter is missing in file. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive.<br>Seller Comment (2025-06-10): (Rate Lock) Lender accepts EV2 and this is not required by guides | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-16): Exception cleared. Received proof of appraisal delivered to borrower, and updated correctly.<br>Seller Comment (2025-06-15): (Rate Lock) Proof provided | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXX Non Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. Mavent reflects loan is an HPML loan. |  |  |  | Reviewer Comment (2025-06-16): Exception cleared. Received proof of appraisal delivered to borrower, and updated correctly.<br>Seller Comment (2025-06-15): (Rate Lock) Proof provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence of receipt of appraisal in file. |  |  |  | Reviewer Comment (2025-06-16): Exception cleared. Received proof of appraisal delivered to borrower, and updated correctly.<br>Seller Comment (2025-06-15): (Rate Lock) Proof provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow XXXX statements that do not have a URL. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has verified residual income (disposable income) of at least $XXXX per month.<br>Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>FICO higher than XXXX, AND at least XXXX points higher than guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for receipt of XXXX reflects periodically on the XXXX statements as XXXX received from an external wallet and name is not available. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has verified residual income (disposable income) of at least $XXXX per month.<br>Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>FICO higher than XXXX, AND at least XXXX points higher than guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for Asset Depletion income on XXXX account. Account has an additional owner that is not on the loan. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has verified residual income (disposable income) of at least $XXXX per month.<br>Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>FICO higher than XXXX, AND at least XXXX points higher than guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Calculated loan to value percentage of XXXX % slightly exceeds Guideline loan to value percentage of XXXX %. |  |  |  | Reviewer Comment (2025-05-29): LTV is XXXX% variation in decimal which is tolerable, Exception cleared.<br>Seller Comment (2025-05-29): (Rate Lock) LTV is XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated loan to value percentage of XXXX % slightly exceeds Guideline loan to value percentage of XXXX%. |  |  |  | Reviewer Comment (2025-05-29): LTV is XXXX% variation in decimal which is tolerable, Exception cleared.<br>Seller Comment (2025-05-29): (Rate Lock) LTV is XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. | Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-17): XXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-06-16): (Rate Lock) PCCD Provided<br>Reviewer Comment (2025-05-30): XXXX Title Document prep $XXXX, Title Lender Title $XXXX, Title overnight $XXXX, Title recording $XXXX, Title - Settlement $XXXX, Title - State guaranty $XXXX, Title Tax Cer $XXXX, Title Endorsement $XXXX, Survey $XXXX and Recording fee $XXXX falls under XXXX% tolerance. Total of XXXX% fees on CD is $XXXX compared to total of fees on LE $XXXX. A valid Changed Circumstance or cure $XXXXis required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-05-29): (Rate Lock) Please advise what fees are being reviewed here | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for Increasing seller contribution to $XXXX which is XXXX % of sales price where max is XXXX % = $XXXX . | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX. | Borrower's Own Funds Percent: XXXX<br> Borrower's Own Funds Amount: $[readcted]<br>Borrower has worked in the same position for more than XXXX years.<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-28): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115296 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-16): XXXX received LOA states lender does not require survey.<br>Seller Comment (2025-06-15): (Rate Lock) LOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX overdrafts/XXXX is XXXX over XXXX months. Borrower has XXXX. XXXX were ODs paid, XXXX were XXXX protection transfers from XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115298 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender exception for borrower requesting Non-warrantable condo exception. Per XXXX City inspection, the HOA is required to participate in a maintenance program to maintain the safety and integrity of the building. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | FICO higher than [readcted], AND at least [readcted]points higher than guideline minimum.<br>Housing payment history is[readcted] or better. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115298 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-10): Client elects to waive.<br>Seller Comment (2025-06-06): (Rate Lock) Accepts EV2 please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved exception for borrower not meeting the maximum CLTV of XXXX % when borrower is a XXXX living rent free. | Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Documentation Type: XXXXmo Bank Statement<br> Disposable Income: [readcted]<br>Guidelines Representative FICO: [readcted]<br> Representative FICO: [readcted]<br>Reserves: [readcted]<br> Guideline Requirement: [readcted]<br>DTI: [readcted]<br> Guideline Maximum DTI: [readcted] | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing a signed and dated letter for verification of living rent free from owner or individual obligated on the lease agreement stating the borrower is living rent-free and the relationship to the borrower. |  |  |  | Reviewer Comment (2025-06-06): Received proof of signature in trailing docs.<br>Reviewer Comment (2025-06-02): VOR document (XXXX) is not signed and written by owner. Letter of Explanation is required which is signed and dated by owner and which indicates borrower is living rent free. Exception Remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception for borrower not meeting the maximum CLTV of XXXX % when borrower is a XXXX living rent free. | Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Documentation Type: XXXXmo Bank Statement<br> Disposable Income: [readcted]<br>Guidelines Representative FICO: [readcted]<br> Representative FICO: [readcted]<br>Reserves: [readcted]<br> Guideline Requirement: [readcted]<br>DTI: [readcted]<br> Guideline Maximum DTI: [readcted] | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception: Requesting exception to go to XXXX % LTV for a XXXX who lives rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Reserves: [readcted]<br> Guideline Requirement:[readcted]<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $[readcted] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-22): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-05-30): Client elects to waive<br>Seller Comment (2025-05-26): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 missing in file. |  |  |  | Reviewer Comment (2025-06-11): Received final 1003 in trailing docs.<br>Seller Comment (2025-06-09): Please see attached signed final 1003 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Loan to Value: [readcted]<br> Guideline Maximum Loan to Value: [readcted]<br>DTI: [readcted]<br> Guideline Maximum DTI: [readcted]<br>Borrower has been employed in the same industry for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: [readcted] | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-06-09): [redact] approved as non-warrantable with exception applied. Please see attached approval form. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-11): Client elects to waive.<br>Seller Comment (2025-06-09): [redact] accepts EV 2 please waive and close out. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-11): Client elects to waive.<br>Seller Comment (2025-06-09): [redact] accepts EV 2 please waive and close out. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower at least XXXX business days prior to closing. |  |  |  | Reviewer Comment (2025-06-10): XXXX received initial CD.<br>Seller Comment (2025-06-09): Please see attached initial CD dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | No Defined Cure B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-10): XXXX received a valid COC.<br>Seller Comment (2025-06-09): See attached VCOC | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception which was approved to XXXX of XXXX . | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: [readcted]<br> Guideline Requirement[readcted]<br>Loan to Value: XXXX<br> Guideline Maximum Loan to Value: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is 0x30x24 or better and borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least 0x30x12 pay history. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-28): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved exception for Condo loan looking to close with outstanding maintenance repairs for the project. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing third-party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File) | XXXX Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  | Reviewer Comment (2025-05-28): Received fully executed disclosure in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing third-party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-28): Received internet business listing in trailing docs. Guidelines state the existence of the borrower's business must be verified within XXXX calendar days prior to the note date, the listing provided is not dated, the other document provided carries a date that is post-close.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank XXXX): Unable to verify current employment status using reasonably reliable XXXX - party records. | Waterfall due to missing XXXX - party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-28): Received internet business listing in trailing docs. Guidelines state the existence of the borrower's business must be verified within XXXX calendar days prior to the note date, the listing provided is not dated, the other document provided carries a date that is post-close.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing XXXX - party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Issue Date not provided. |  |  |  | Reviewer Comment (2025-05-27): Blank CD not provided to consumer excluded from testing. Attestation provided<br>Reviewer Comment (2025-05-26): There are XXXX XXXX CDs in the loan file. XXXX have issue dates and XXXX does not (Doc XXXX) Per TRID Grid XXXX, Additional Considerations Row XXXX, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for mortgage late of XXXX in the last XXXX - months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-21): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing third-party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing XXXX - party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-28): Received internet business listing in trailing docs. Guidelines state the existence of the borrower's business must be verified within XXXX calendar days prior to the note date, the listing provided is not dated, the other document provided carries a date that is post-close.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third-party verification within XXXX days prior to Note date for borrower self-employed income. |  |  |  | Reviewer Comment (2025-06-06): Received business listing dated prior to closing in trailing docs.<br>Reviewer Comment (2025-05-28): Received internet business listing in trailing docs. Guidelines state the existence of the borrower's business must be verified within XXXX calendar days prior to the note date, the listing provided is not dated, the other document provided carries a date that is post-close.<br>Reviewer Comment (2025-05-27): Provided Internet Search verified phone number of Borrower Business but the Business address is missing . provide us with CPA letter or Internet Search with phone and address of business Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-18): XXXX received Letter of Explanation, Pay history and Corrected CD.<br>Seller Comment (2025-06-17): (Rate Lock) PCCD provided<br>Reviewer Comment (2025-06-17): XXXX received CD dated XXXX along with COC dated XXXX is already present in file. CD dated XXXX is after closing and lender credit cannot be re-baseline. Provide Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Seller Comment (2025-06-16): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-16): (Rate Lock) Cure was already applied at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in file. |  |  |  | Reviewer Comment (2025-06-10): Received statement in trailing docs.<br>Seller Comment (2025-06-06): (Rate Lock) Please see attached ALTA settlement statement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Rate/Term | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject XXXX) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject XXXX) XXXX. | Lender approved exception for XXXX below XXXX and borrower being first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is 0x30x24 or better | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-04): Housing payment history is XXXX or better | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to insufficient resrves. |  |  |  | Reviewer Comment (2025-06-18): System cleared with Compensating Factors from Lender Exception.<br>Seller Comment (2025-06-15): (Rate Lock) Exception provided<br>Reviewer Comment (2025-06-10): Have to use the CD from Note date because borrower is required to have funds at consummation per ATR.<br>Seller Comment (2025-06-06): (Rate Lock) Not sure where $XXXX is coming from as this is not the correct funds borrower is required to bring. Please see cert and refer to wire receipts of borrowers funds.<br>Reviewer Comment (2025-06-05): Borrower funds (XXXX + XXXX+ XXXX + $XXXX) = $XXXX) - ((EMD= $XXXX) + (POC= $XXXX) + (Funds to Close=$XXXX) = $XXXX/$XXXX PITIA = XXXX. Required after all closing funds accounted for is $XXXX, short $XXXX.<br>Seller Comment (2025-06-02): (Rate Lock) Please provide updated calc without gift funds as they are verified.<br>Reviewer Comment (2025-06-02): Assets verified are still not sufficient to meet the reserves requirements.<br>Seller Comment (2025-05-28): (Rate Lock) Gift was verified and to not be included in borrowers funds<br>Reviewer Comment (2025-05-27): (Borrower funds (XXXX+ XXXX + XXXX+ $XXXX + $XXXX) = $XXXX) - ((EMD= $XXXX) + (POC= $XXXX) + (Funds to Close=$XXXX + (Gift funds= $XXXX)) = $XXXX/$XXXX PITIA = XXXX. Required after all closing funds accounted for is $XXXX, short $XXXX.<br>Seller Comment (2025-05-27): (Rate Lock) Total assets: (XXXX + XXXX + XXXX) = XXXX<br> Funds to close (XXXX + XXXX) = XXXX<br> Balance of Assets after closing: $XXXX/XXXX(PITIA) = XXXXmonths reserves | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to insufficient reserves. |  |  |  | Reviewer Comment (2025-06-18): System cleared with Compensating Factors from Lender Exception.<br>Seller Comment (2025-06-15): (Rate Lock) Exception provided<br>Reviewer Comment (2025-06-10): Have to use the CD from Note date because borrower is required to have funds at consummation per ATR.<br>Seller Comment (2025-06-06): (Rate Lock) Not sure where $XXXX is coming from as this is not the correct funds borrower is required to bring. Please see cert and refer to wire receipts of borrowers funds.<br>Reviewer Comment (2025-06-05): Borrower funds (XXXX + XXXX+ XXXX + $XXXX) = $XXXX) - ((EMD= $XXXX) + (POC= $XXXX) + (Funds to Close=$XXXX) = $XXXX/$XXXX PITIA = XXXX. Required after all closing funds accounted for is $XXXX, short $XXXX.<br>Seller Comment (2025-06-02): (Rate Lock) Please provide updated calc without gift funds as they are verified.<br>Reviewer Comment (2025-05-30): Additional assets are required to meet the PITIA reserve months required as per the guideline exception remains.<br>Seller Comment (2025-05-28): (Rate Lock) Gift was verified and to not be included in borrowers funds<br>Reviewer Comment (2025-05-27): (Borrower funds (XXXX+ XXXX + XXXX+ $XXXX + $XXXX) = $XXXX) - ((EMD= $XXXX) + (POC= $XXXX) + (Funds to Close=$XXXX + (Gift funds= $XXXX)) = $XXXX/$XXXX PITIA = XXXX. Required after all closing funds accounted for is $XXXX, short $XXXX.<br>Seller Comment (2025-05-27): (Rate Lock) Total assets: (XXXX + XXXX + XXXX) = XXXX<br> Funds to close (XXXX + XXXX) = XXXX<br> Balance of Assets after closing: $XXXX/XXXX(PITIA) = XXXXmonths reserves | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | UPDATED XXXX. Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX \*\*\*\* Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX . |  |  |  | Reviewer Comment (2025-06-18): Lender provided exceptions with compensating factors.<br>Seller Comment (2025-06-15): (Rate Lock) Exception provided<br>Reviewer Comment (2025-06-10): Have to use the CD from Note date because borrower is required to have funds at consummation per ATR.<br>Seller Comment (2025-06-06): (Rate Lock) Not sure where $XXXXis coming from as this is not the correct funds borrower is required to bring. Please see cert and refer to wire receipts of borrowers funds.<br>Reviewer Comment (2025-06-05): Borrower funds (XXXX + XXXX+ XXXX + $XXXX) = $XXXX) - ((EMD= $XXXX) + (POC= $XXXX) + (Funds to Close=$XXXX) = $XXXX/$XXXX PITIA = XXXX. Required after all closing funds accounted for is $XXXX, short $XXXX.<br>Seller Comment (2025-06-02): (Rate Lock) Please provide updated calc without gift funds as they are verified.<br>Reviewer Comment (2025-05-30): Additional assets are required to meet the PITIA reserve months required as per the guideline exception remains.<br>Seller Comment (2025-05-28): (Rate Lock) Gift was verified and to not be included in borrowers funds<br>Reviewer Comment (2025-05-27): (Borrower funds (XXXX+ XXXX + XXXX+ $XXXX+ $XXXX) = $XXXX) - ((EMD= $XXXX) + (POC= $XXXX) + (Funds to Close=$XXXX + (Gift funds= $XXXX)) = $XXXX/$XXXX PITIA = XXXX. Required after all closing funds accounted for is $XXXX, short $XXXX.<br>Seller Comment (2025-05-27): (Rate Lock) Total assets: (XXXX + XXXX + XXXX) = XXXX<br> Funds to close (XXXX + XXXX) = XXXX<br> Balance of Assets after closing: $XXXX/XXXX(PITIA) = XXXXmonths reserves | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Borrower does not meet maximum LTV of XXXX % for property in a declining market, guidelines require XXXX % LTV reduction. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Borrower does not meet maximum CLTV of XXXX % for property in a declining market, guidelines require XXXX % CLTV reduction. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower's mortgage payment history for the most recent XXXX months was not provided. |  |  |  | Reviewer Comment (2025-06-02): Credit report showing VOR/VOM information, Exception cleared.<br>Seller Comment (2025-06-02): (Rate Lock) VOM provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use XXXX funds on an XXXX property transaction. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. | Total amount of $XXXX exceeds tolerance of $XXXX . No valid change of circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-07-02): XXXX received Post CD and LOX along with FInal SS.<br>Seller Comment (2025-07-01): (Rate Lock) Statement provided again. Please review, as top shows 'Final' and bottom corner reflects true and certified copy.<br>Reviewer Comment (2025-07-01): XXXX no copy of final settlement statement received. Please provide true & certified copy of final settlement statement to re-evaluate the exception.<br>Seller Comment (2025-06-27): (Rate Lock) Nothing else needs provided. Please review the Final SS provided, the bottom visibly states "Certified to be a True and Exact Copy of the Original Hereof' and signed by escrow. This is what has been asked for and provided. Please clear.<br>Reviewer Comment (2025-06-26): XXXX No new documents received. Provide True and Certified Final SS.<br>Seller Comment (2025-06-25): (Rate Lock) The provided states 'Final' at the top and stamped Certified True and Exact Copy. This is sufficient to clear<br>Reviewer Comment (2025-06-25): XXXX received corrected PCCD and LOE with corrected fees but a copy of true and certified final SS is required to finalize the fee.<br>Seller Comment (2025-06-24): (Rate Lock) PCCD and LOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower's current mortgage history was not provided. |  |  |  | Reviewer Comment (2025-06-20): Exception cleared. Received Bank Statements and updated correctly. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Borrower does not meet maximum LTV of XXXX%. Property in declining market requires XXXX% LTV reduction. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Lender exceptions with comp factors.<br>Seller Comment (2025-05-30): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Borrower does not meet maximum CLTV of XXXX%. Property in declining market requires XXXX% CLTV reduction. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Lender exceptions with comp factors.<br>Seller Comment (2025-05-30): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved credit exception- CO Refi with XXXX score less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-09): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for borrower lives rent free with spouse which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-09): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. (Type:Primary/XXXX) |  |  |  | Reviewer Comment (2025-05-30): Client elects to waive<br>Seller Comment (2025-05-27): Please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115324 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. |  | Property is subject to rent control and the allowable annual rent increase for XXXXis only XXXX% (minimum allowed per guidelines is XXXX%). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The XXXX is greater than the guideline requirement by XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>XXXX month housing history. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-14): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115324 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX of the XXXXUnits are below XXXX sq ft that do not meet guideline requirements (studios - XXXX is XXXXsq ft and the other XXXXsq ft). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The XXXX is greater than the guideline requirement by XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>XXXX month housing history. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-14): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115325 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for recording fee. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX without any valid changed circumstances. No Cure was provided. |  |  |  | Reviewer Comment (2025-06-02): XXXX received PCCD, LOE and Payment history.<br>Seller Comment (2025-05-30): (Rate Lock) Provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender exception approved for DSCR less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-04): Client elects to waive.<br>Seller Comment (2025-06-02): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX months verified rents. Required verified rets is XXXX months. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Loan file is missing a verification of rent that shows the payment history. |  |  |  | Reviewer Comment (2025-06-03): Rent verified from bank statement. Exception cleared<br>Seller Comment (2025-06-02): (Rate Lock) VOR provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115332 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for use of XXXX different business accounts, assets were transferred from XXXX account to another already existing XXXX business account. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has been employed in the same industry for more than XXXX years. | Borrower has verified disposable income of at least $XXXX.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115332 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115332 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX NSF and XXXX overdrafts within the past XXXX months, guidelines allow max XXXX NSFs. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has verified disposable income of at least $XXXX.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Provided hazard insurance is dated after closing date. |  |  |  | Reviewer Comment (2025-06-12): Received corrected policy in trailing docs.<br>Seller Comment (2025-06-10): (Rate Lock) HOI provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow income from XXXX businesses when XXXX is the max. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is 0x30x24 or better | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-09): Received warranty doc in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-03): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Use of the XXXX month average of 1099 income $XXXX from 1099 employment as truck driver withXXXX when YTD average is more than XXXX % less at $XXXX . Borrower takes off both XXXX and XXXX every year for vacation according to LOE from employer and borrower. XXXX and XXXX XXXX - XXXX bank statements provided to support explanation. | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Provide Lender exception Approval for XXXX calculation, Guidelines XXXX is XXXX and calculated is less than XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Lender exceptions with comp factors. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-30): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Miscellaneous<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Housing payment history is 0x30x24 or better<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC,Originator | Reviewer Comment (2025-06-09): Lender approved an exception for missing XXXX additional reserves. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-17): XXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-06-12): XXXX received Post CD,LOX and proof of mailing. However, we would also require proof of mailing in order to cure the exception. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure - XXXX Cure | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-06-17): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXX Non Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. | APR of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. |  |  |  | Reviewer Comment (2025-06-10): Received confirmation of appraisal.<br>Seller Comment (2025-06-06): My apologies, I mis-labeled the attachment. Here is XXXX delivery confirmation, thank you<br>Reviewer Comment (2025-06-06): Received delivery confirmation for XXXX appraisal. Delivery confirmation for XXXX appraisal has not been provided.<br>Seller Comment (2025-06-04): Appraisal confirmation XXXX for appraisal dated XXXX - thought I had uploaded this. thanks<br>Reviewer Comment (2025-06-04): Delivery of the XXXX appraisal not provided.<br>Seller Comment (2025-05-30): Providing appraisal delivery confirmations for both appraisals. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Flipped Property - Creditor did not obtain XXXX (XXXX) written appraisals. | Creditor did not obtain two written appraisals. |  |  |  | Reviewer Comment (2025-06-04): Delivery provided.<br>Seller Comment (2025-05-30): Appraisal #XXXX<br>Seller Comment (2025-05-30): Providing copies of both appraisals | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | XXXX Home Loan Threshold Fixed Compliant | XXXX Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Compliant SubPrime Loan. | XXXX Subprime Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX %, or XXXX %. Compliant XXXX . |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive.<br>Seller Comment (2025-06-10): Elect to waive EV2 and close out<br>Reviewer Comment (2025-06-10): This is an informational exception that will remain and EV2 and can be waived.<br>Seller Comment (2025-06-06): My apologies, I mis-labeled the attachment. Here is XXXX delivery confirmation, thank you<br>Reviewer Comment (2025-06-06): Received delivery confirmation for XXXX and XXXX appraisals. Delivery confirmation for XXXX appraisal has not been provided.<br>Seller Comment (2025-06-04): Appraisal delivery confirmation from XXXX, previously submitted<br>Reviewer Comment (2025-06-04): Delivery of the XXXX appraisal not provided.<br>Seller Comment (2025-05-30): Appraisal delivery confirmations for both appraisals | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-10): Received confirmation of appraisal.<br>Seller Comment (2025-06-06): My apologies, I mis-labeled the attachment. Here is XXXX delivery confirmation, thank you<br>Reviewer Comment (2025-06-06): Received delivery confirmation for XXXX and XXXX appraisals. Delivery confirmation for XXXX appraisal has not been provided.<br>Seller Comment (2025-06-04): Appraisal delivery confirmations from XXXX and XXXX for each appraisal. we have XXXX | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-10): Received confirmation of appraisal.<br>Seller Comment (2025-06-06): My apologies, I mis-labeled the attachment. Here is XXXX delivery confirmation, thank you<br>Reviewer Comment (2025-06-06): Received delivery confirmation for XXXX and XXXX appraisals. Delivery confirmation for XXXX appraisal has not been provided.<br>Seller Comment (2025-06-04): Appraisal delivery XXXX for XXXX appraisal with signature date of XXXX.<br>Seller Comment (2025-06-04): Appraisal confirmation dated XXXX, XXXX appraisal signature date XXXX, closing XXXX. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure does not indicate why the loan will not have an escrow account. |  |  |  | Reviewer Comment (2025-05-12): XXXX Received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure - XXXX Cure | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-12): Sufficient Cure Provided within XXXX Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV exceeds max of XXXX% for a loan with escrow waiver. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Second Home | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV exceeds max of XXXX % for a loan with escrow waiver. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Second Home | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Title is not vested is in the borrower name and Warranty deed showing deed was transferred to the borrower was not provided. |  |  |  | Reviewer Comment (2025-05-22): Warranty deed showing deed was transferred to the borrowing entity was received. Exception cleared. | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date XXXX; Disbursement Date: XXXX; Note Date: XXXX; Transaction Date: XXXX | The Hazard Insurance Policy Effective Date is after the Note date of XXXX. |  |  |  | Reviewer Comment (2025-07-09): Loan funded XXXX.<br>Seller Comment (2025-07-06): (Rate Lock) Final SS showing funding XXXX<br>Reviewer Comment (2025-06-27): Please provide final evidence of funding on or after XXXX.<br>Seller Comment (2025-06-25): (Rate Lock) Settlement Statement HUD does have a disbursement date. Since this is a XXXX loan this is valid to determine disbursement. Please clear<br>Reviewer Comment (2025-06-25): Signed Final HUD-1 provided does not reflect the disbursement date. Please provide final signed/certified Closing statement/HUD-1 that reflects the disbursement date.<br>Seller Comment (2025-06-23): (Rate Lock) We do not go off the note date, HOI effective disbursement is sufficient. Please clear or escalate.<br>Reviewer Comment (2025-06-20): Hazard Insurance Policy Effective date is XXXX and note date is XXXX.Exception Remains.<br>Seller Comment (2025-06-18): (Rate Lock) Signed CD at close shows funding XXXX<br>Reviewer Comment (2025-06-18): Closing statement does not reflect disbursement date, provide final signed/certified closing statement.<br>Seller Comment (2025-06-15): (Rate Lock) HOI effective XXXX provided and loan disbursed XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for cash out seasoning requirements not met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-25): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115363 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of appraisal was not provided. |  |  |  | Reviewer Comment (2025-06-06): Client elects to waive.<br>Seller Comment (2025-06-04): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115365 | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXXX |  | XXXX Valuation Document missing in Loan File. Most recent UCDP risk scores dated XXXX are greater than XXXX . |  |  |  | Reviewer Comment (2025-06-25): CDA provided. Exception cleared. | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115366 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR below XXXX - Lender Exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | FICO higher than XXXX, AND at least XXXX points higher than guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115367 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than the guideline minimum of XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is 0x30x24 or better | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | XXXX - month Mortgage History or Verification of Mortgage document was not provided. |  |  |  | Reviewer Comment (2025-05-27): Evidence of no mortgage provided.<br>Seller Comment (2025-05-23): (Rate Lock) Please see attached title commitment showing no mortgage liens on the property as well as the purchase HUD showing no loan was used to purchase the property. The property is owned free and clear so it does not have a XXXX-month mortgage payment history | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | August XXXX and January XXXX Bank Statement is missing in loan file. |  |  |  | Reviewer Comment (2025-06-16): Received bank statements in trailing docs.<br>Seller Comment (2025-06-13): ATTACHED | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | August XXXX and January XXXX Bank Statement missing in loan file. |  |  |  | Reviewer Comment (2025-06-16): Received bank statements in trailing docs.<br>Seller Comment (2025-06-13): BK STMTS PROVIDED | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | August XXXX and January XXXX Business Bank Statements missing in loan file. |  |  |  | Reviewer Comment (2025-06-16): Received bank statements in trailing docs.<br>Seller Comment (2025-06-13): BK STMT PROVIDED | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to XXXX and XXXX Business Bank Statements missing in loan file for income calculation. |  |  |  | Reviewer Comment (2025-06-16): Received bank statements in trailing docs.<br>Seller Comment (2025-06-13): BK STMNT PROVIDED | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to XXXX and XXXX Business Bank Statements missing in loan file for income calculation. |  |  |  | Reviewer Comment (2025-06-16): Received bank statements in trailing docs.<br>Seller Comment (2025-06-13): BK STMNT PROVIDED | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | August XXXX and January XXXX Business Bank Statements missing in loan file for income calculation. |  |  |  | Reviewer Comment (2025-06-16): Received bank statements in trailing docs.<br>Seller Comment (2025-06-13): BK STMNT PROVIDED | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | UPDATED XXXX \*\*\*\*Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX due to insufficient funds provided in file. | Borrower has verified disposable income of at least $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-25): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-06-22): (Rate Lock) exception was previously uploaded<br>Reviewer Comment (2025-06-19): Do not see any asset documentation provided.<br>Reviewer Comment (2025-06-19): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX.<br>Seller Comment (2025-06-17): (Rate Lock) Provided<br>Reviewer Comment (2025-06-13): Borrower funds per documentation provided in file is: ($XXXX) +(POC= $XXXX) = TOTAL= $XXXX.<br> Funds to close =$XXXX.<br> $XXXX- ($XXXX+$XXXX POC) = $XXXX /$XXXX = XXXX months. <br> Borrower funds to meet the reserves requirements is short $XXXX.<br>Seller Comment (2025-06-11): (Rate Lock) Calc provided showing they were not insufficient. please provide rebuttal calc<br>Reviewer Comment (2025-06-10): Exception remains due to insufficient reserves.<br>Seller Comment (2025-06-09): (Rate Lock) Borrower funds= $XXXX) +(POC= $XXXX) = TOTAL $XXXX<br> Funds brought by borrower TOTAL $XXXX<br> $XXXX- $XXXX= $XXXX/$XXXX,= XXXX months<br>Seller Comment (2025-06-04): (Rate Lock) Are calc reserves XXXX or XXXX | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Second Home | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient reserves. UPDATED XXXX \*\*\*\*\*\*\* Loan Designation discrepancy due to file missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-25): System cleared with Compensating Factors from Lender Exception.<br>Seller Comment (2025-06-22): (Rate Lock) exception was previously uploaded<br>Reviewer Comment (2025-06-19): Do not see any asset documentation provided.<br>Seller Comment (2025-06-17): (Rate Lock) Provided<br>Reviewer Comment (2025-06-13): Borrower funds per documentation provided in file is: ($XXXX) +(POC= $XXXX) = TOTAL= $XXXX.<br> Funds to close =$XXXX.<br> $XXXX- ($XXXX+$XXXX POC) = $XXXX /$XXXX = XXXX months. <br> Borrower funds to meet the reserves requirements is short $XXXX.<br>Seller Comment (2025-06-11): (Rate Lock) Calc provided showing they were not insufficient. please provide rebuttal calc<br>Reviewer Comment (2025-06-10): Exception remains due to insufficient reserves.<br>Seller Comment (2025-06-09): (Rate Lock) Borrower funds= $XXXX) +(POC= $XXXX) = TOTAL $XXXX<br> Funds brought by borrower TOTAL $XXXX<br> $XXXX- $XXXX= $XXXX/$XXXX,= XXXX months<br>Reviewer Comment (2025-06-06): Exception remains due to insufficient reserves.<br>Seller Comment (2025-06-04): (Rate Lock) Income is only given to 'XXXX' therefore that is the only business that requires this documentation. This is not in our guidelines, so we defer to XXXX and if we are not giving income qualification we do not need documentation this business is affected by use of assets. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall exception due to insufficient reserves. UPDATED XXXX \*\*\*\*\*\*\* Waterfall due to due to file missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank accounts will not negatively impact the business and insufficient funds to cover reserves. |  |  |  | Reviewer Comment (2025-06-25): System cleared with Compensating Factors from Lender Exception.<br>Seller Comment (2025-06-22): (Rate Lock) exception was previously uploaded<br>Reviewer Comment (2025-06-19): Do not see any asset documentation provided.<br>Seller Comment (2025-06-17): (Rate Lock) Provided<br>Reviewer Comment (2025-06-13): Borrower funds per documentation provided in file is: ($XXXX) +(POC= $XXXX) = TOTAL= $XXXX.<br> Funds to close =$XXXX.<br> $XXXX - ($XXXX+$XXXX POC) = $XXXX /$XXXX = XXXX months. <br> Borrower funds to meet the reserves requirements is short $XXXX.<br>Seller Comment (2025-06-11): (Rate Lock) Calc provided showing they were not insufficient. please provide rebuttal calc<br>Reviewer Comment (2025-06-10): Exception remains due to insufficient reserves.<br>Seller Comment (2025-06-09): (Rate Lock) Borrower funds= $XXXX) +(POC= $XXXX) = TOTAL $XXXX<br> Funds brought by borrower TOTAL $XXXX<br> $XXXX- $XXXX= $XXXX/$XXXX,= XXXXmonths<br>Reviewer Comment (2025-06-06): Exception remains due to insufficient reserves.<br>Seller Comment (2025-06-04): (Rate Lock) Income is only given to 'Properties by Us' therefore that is the only business that requires this documentation. This is not in our guidelines, so we defer to XXXX and if we are not giving income qualification we do not need documentation this business is affected by use of assets. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Lender's initial 1003 is missing in file. |  |  |  | Reviewer Comment (2025-06-11): Received final 1003 in trailing docs.<br>Seller Comment (2025-06-09): Final 1003 signed at closing | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Tax and insurance verification for XXXX, mortgage statement for XXXX , mortgage statement for XXXX , mortgage statement forXXXX , mortgage statement forXXXX. and mortgage statement for XXXX. |  |  |  | Reviewer Comment (2025-06-04): Received documents in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Rent comparison schedule not provided in file. |  |  |  | Reviewer Comment (2025-06-04): Received document in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115377 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for pending discriminate on lawsuit against the HOA. The claim was denied by HUD but claimant filed an appeal therefore, still pending. HOA is stating this will be covered by insurance but will not provide an attorney letter, only confirmed this by email. HOA is reported to have $XXXX in current reserve account. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115378 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br> Need exception for HOA not having a XXXX budget (working off a XXXX - XXXX budget, noted "now XXXX " and email states XXXX not approved yet)<br>Litigation involves construction defects for one single unit (unit XXXX) - HOA settled a defect lawsuit in XXXX and all XXXX of XXXX units were repaired without incident, but unit XXXX repairs continue to be delayed by the unit owners and interfere with remediation. HOA is suing the unit XXXX owners to abide by the settlement agreement repairs. HOA is the Plaintiff. The lawsuit is creating a negative financial burden by extending the $XXXX monthly special assessment per unit until XXXX. HOA cannot provide engineering report for this unit due to the ongoing litigation.<br>There are XXXX current special assessments. One to pay back loan acquired in XXXX to fund repairs ($XXXX until XXXX) and $XXXX per unit until XXXX to continue to fund repairs to unit XXXX until case settled). | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115378 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-06-25): Received Condo warranty docs in trailing docs.<br>Seller Comment (2025-06-23): (Rate Lock) Condo docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115378 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee increased from $XXXX to $XXXX , an increase of $XXXX , without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-06-19): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-10): Client elects to waive.<br>Seller Comment (2025-06-06): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower renting - XXXX months proof of payment provided with VOR form however, XXXX payment not sourced as borrower paid cash. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-05): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing statement and tax verification for XXXX |  |  |  | Reviewer Comment (2025-06-03): Closing disclosure received and updated. Exception cleared<br>Seller Comment (2025-06-02): (Rate Lock) Signed CD from file provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115381 | XXXX | XXXX |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2025-06-11): Received corrected CDA in trailing docs.<br>Seller Comment (2025-06-08): (Rate Lock) CDA provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive.<br>Seller Comment (2025-06-10): (Rate Lock) Lender accepts the EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing evidence of ownership percentage of the borrower in business entity. |  |  |  | Reviewer Comment (2025-06-12): Received proof of ownership percentage in trailing docs.<br>Seller Comment (2025-06-10): (Rate Lock) Proof borrower is the only member and owns XXXX% provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing evidence of ownership percentage of the borrower in business entity. |  |  |  | Reviewer Comment (2025-06-12): Received proof of ownership percentage in trailing docs.<br>Seller Comment (2025-06-10): (Rate Lock) Proof borrower is the only member and owns XXXX% provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file does not document the ownership percentage of the borrower in business entity. |  |  |  | Reviewer Comment (2025-06-12): Received proof of ownership percentage in trailing docs.<br>Seller Comment (2025-06-10): (Rate Lock) Proof borrower is the only member and owns XXXX% provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not document the ownership percentage of the borrower in business entity. |  |  |  | Reviewer Comment (2025-06-12): Received proof of ownership percentage in trailing docs.<br>Seller Comment (2025-06-10): (Rate Lock) Proof borrower is the only member and owns XXXX% provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing evidence of ownership percentage of the borrower in business entity. |  |  |  | Reviewer Comment (2025-06-12): Received proof of ownership percentage in trailing docs.<br>Seller Comment (2025-06-10): (Rate Lock) Proof borrower is the only member and owns XXXX% provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA XXXX Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. XXXX occupancy witrh no business purpose cert in file. Loan is not subject to XXXX tests in scope requiring points and fees. |  |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive.<br>Seller Comment (2025-06-10): Please clear condition, the document has been provided<br>Reviewer Comment (2025-06-10): This is an informational exception that will remain an EV2 and can be waived.<br>Seller Comment (2025-06-06): attached | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for a XXXX who lives rent free and purchasing an investment property to use rental income from the subject purchase to offset the PITIA. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Borrower does not meet minimum FICO score of XXXX with LTV XXXX %. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exception with comp factors.<br>Seller Comment (2025-05-23): Credit Exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for LTV exceeding max of XXXX % for a non-arms length transaction. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for LTV exceeding max of XXXX % for a non-arms length transaction. | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has verified disposable income of at least $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title provided did not disclose a policy amount. |  |  |  | Reviewer Comment (2025-06-12): Client elects to waive.<br>Seller Comment (2025-06-10): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-06-12): Received doc in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing an insurance verification document for XXXX and a Tax insurance verification document for XXXX. |  |  |  | Reviewer Comment (2025-06-12): Received documents in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is insufficient by $XXXX . |  |  |  | Reviewer Comment (2025-06-12): Received replacement cost in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: XXXX qualifying total debt ratio discrepancy. |  | Calculated DTI of XXXX% exceeds the maximum guideline DTI of XXXX%. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided. Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan discrepancy due to Calculated DTI of XXXX % exceeding the maximum guideline DTI of XXXX %. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided. Cleared. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Calculated DTI of XXXX % exceeding the maximum guideline DTI of XXXX %. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided. Cleared.<br>Reviewer Comment (2025-06-17): Per guidelines, most recent XXXX- or XXXX years personal tax returns with Schedule XXXX is required for rental income calculation. Schedule XXXX was used for XXXX property because it shows it has XXXX reported days of income. XXXX property updated to Lease income. DTI of XXXX% still exceeds the maximum of XXXX%.<br>Reviewer Comment (2025-06-12): REO income was calculated based on documents received. Calculated DTI is XXXX% which exceeds he maximum DTI of XXXX%. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision XXXX and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank XXXX): The DTI calculated in accordance with the Lenders Guidelines and XXXX (c)(XXXX) of XXXX % significantly exceeds the guideline maximum of XXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall due to Calculated DTI of XXXX% exceeding the maximum guideline DTI of XXXX%. |  |  |  | Reviewer Comment (2025-06-20): Documentation provided. Cleared.<br>Reviewer Comment (2025-06-12): REO income was calculated based on documents received. Calculated DTI is XXXX% which exceeds he maximum DTI of XXXX%. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Verification Of Employment Fee was not disclosed on initial Loan estimate but increased to $XXXX on Loan Estimate dated XXXX . File does not contain a valid COC nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-06-19): XXXX received valid COC dated XXXX<br>Reviewer Comment (2025-06-11): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the Verification of employment fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to use all XXXX sources of borrower's income to qualify. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Borrower has verified disposable income of at least $XXXX.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has XXXXxXXXXxXXXX housing history and all borrower's jobs are salaried. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for use of 1007 from purchase of XXXX to qualify. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has XXXXxXXXXxXXXX housing history and all borrower's jobs are salaried. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within XXXX XXXX) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-06-17): XXXX received LE and disclosure summary suffice. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a XXXX time home buyer and ineligible per guidelines. |  | Requesting exception for XXXX Time Home Buyer who is also a XXXX Time Investor.Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Miscellaneous | Monthly reserves is verified AND at least XXXX months more than guideline minimum<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has no late housing payments in XXXX months. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender exceptions with compensating factors.<br>Seller Comment (2025-06-09): (Rate Lock) CF updated | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | XXXX is less than the guideline minimum of XXXX .Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Miscellaneous | Monthly reserves is verified AND at least XXXX months more than guideline minimum<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has no late housing payments in XXXX months. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender exceptions with compensating factors.<br>Seller Comment (2025-06-09): (Rate Lock) CF updated | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Credit | Asset verification indicated different balance from statements sumbitted |  | Lender approved exception for credit showing a repossession from XXXX on a XXXX home. Evidence it was paid as a short sale dated may of XXXX.Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Miscellaneous | Monthly reserves is verified AND at least XXXX months more than guideline minimum<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has no late housing payments in XXXX months. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender exceptions with compensating factors.<br>Seller Comment (2025-06-09): (Rate Lock) CF updated | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for use of LOE as a VOR from owner of XXXX residence.Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Miscellaneous | Monthly reserves is verified AND at least XXXX months more than guideline minimum<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower has no late housing payments in XXXX months. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender exceptions with compensating factors.<br>Seller Comment (2025-06-09): (Rate Lock) CF updated | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow rural property with XXXX acres vs max XXXX acres per XXXX guides.Subject is XXXX transaction and property has XXXX acres (appraisal updated). Please provide an updated list compensating factors on the approval. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX.<br>Miscellaneous | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has a mortgage history of XXXX+ Years XXXXxXXXX. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exception with comp factors.<br>Seller Comment (2025-06-05): Approved credit exception for both, acreage exceeding guidelines and cash out amount. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total XXXX - out discrepancy. | HUD-1 total cash-out of XXXX is greater than Guideline total cash-out of XXXX. | Lender approved an exception for exceeding maximum cash out. Please provide an updated lender exception for total cash out in the amount of $XXXX . | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-09): Lender exception with comp factors.<br>Seller Comment (2025-06-05): Approved credit exception for both, acreage exceeding guidelines and cash out amount. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan XXXX Test | TILA HPML appraisal Rule (Dodd-Frank XXXX): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-05-30): Client elects to waive.<br>Seller Comment (2025-05-27): Please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within XXXX XXXX business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower within XXXX business days of application. |  |  |  | Reviewer Comment (2025-05-27): XXXX received tracking for initial LE it was manually disclosed.<br>Seller Comment (2025-05-27): Please see attached Disclosures manually disclosed | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender Approved Exception for Qualifying FICO XXXX below guideline requirement of XXXX . | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Miscellaneous | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Credit Depth w/ XXXX total tradelines, XXXX mortgages, oldest XXXX, all XXXXxXXXX. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-22): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115395 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for use of Lease rent instead of 1007 rent. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD-1 or Closing Statement or Closing Disclosure missing in loan file. |  |  |  | Reviewer Comment (2025-06-03): Closing Statement provided.<br>Seller Comment (2025-05-29): Final settlement statement stamped and signed by title. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXXX . Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-03): RCE provided.<br>Seller Comment (2025-05-29): RCE confirms coverage coverage exceeds replacement cost. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-06-06): Client elects to waive.<br>Seller Comment (2025-06-04): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower SE for XXXX months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Miscellaneous | Borrower has verified residual income (disposable income) of at least $XXXX per month<br>Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Housing payment history is XXXXxXXXXxXXXX or better. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115398 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use both XXXX and XXXX bank statements for the income calculation. Borrower owns XXXX since XXXX receiving income to his personal checking account and started using a XXXX checking account in XXXX . | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Miscellaneous | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Housing payment history is XXXXxXXXXxXXXX or better. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115399 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Lender approved an exception for XXXX and XXXX having no current housing as they live in a home owned and maintained by XXXX . | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is not provided. |  |  |  | Reviewer Comment (2025-06-11): Client elects to waive.<br>Seller Comment (2025-06-09): Please waive Logan excepts EV XXXX. Please clear. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient cure is required. |  |  |  | Reviewer Comment (2025-06-10): XXXX received a valid COC.<br>Seller Comment (2025-06-09): Please see attached VCOC for points | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for XXXX less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>XXXXxXXXXxXXXX | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Title is not vested is in the borrower name and Warranty deed showing deed was transferred to the borrower was not provided. |  |  |  | Reviewer Comment (2025-06-12): Received deed in trailing docs. | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-20): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for a XXXX % LTV, max is XXXX % for rural property over XXXX acres. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for a XXXX % LTV, max is XXXX % for rural property over XXXX acres. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure did not disclose the reason why the loan will not have an escrow. |  |  |  | Reviewer Comment (2025-06-25): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Second Home | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-11): Exception clarified. Confirmed no Lender Exception required.<br>Seller Comment (2025-06-09): (Rate Lock) Ratelock provided, but no exception needed since this is how it was locked.<br>Reviewer Comment (2025-06-05): Please provide lender exception for non-warrantable condo. Unclear in exception comments.<br>Seller Comment (2025-06-03): (Rate Lock) Ratelock confirms non-warrantable | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception; could not get confirmation from the insurance carrier that claims will be settled at full replacement cost and the policy has a XXXX % coinsurance clause. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified residual income (disposable income) of at least $XXXX per month.<br>Borrower has worked in the same position for more than XXXX years.<br>Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>DTI less than XXXX%, AND at least XXXX% less than guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Housing payment history is XXXXxXXXXxXXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX XXXX business days prior to closing. | Final Closing Disclosure not provided to Borrower at least XXXX business days prior to closing |  |  |  | Reviewer Comment (2025-05-27): XXXX received XXXX CD received XXXX business days prior to consummation.<br>Seller Comment (2025-05-27): initial CD<br>Seller Comment (2025-05-27): Providing XXXX Disclosure Tracking Details report confirming the initial CD was emailed to borrower and e-signed on XXXX. Including copy of signed of initial CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | No Defined Cure A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-11): Delivery provided.<br>Seller Comment (2025-06-09): Appraisal Delivered XXXX for XXXX appraisal and received by borrower XXXX. Closing XXXX | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to issing signed and dated 4506-C for XXXX and XXXX and Verbal verification of employment is required within XXXX business days from the note date. |  |  |  | Reviewer Comment (2025-06-16): System cleared after Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-06-11): Sent to Compliance for review.<br>Seller Comment (2025-06-09): Loan was based on guaranteed income from XXXX Package for the next XXXX years. VVOE was not needed because there was no continued employment. 4506s were not needed since this is XXXX. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank XXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable XXXX-party records. | Verbal verification of employment is required within XXXX business days from the note date. |  |  |  | Reviewer Comment (2025-06-16): System cleared after Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-06-11): Sent to Compliance for review.<br>Seller Comment (2025-06-09): Loan was based on guaranteed income from XXXX Package for the next XXXX years. VVOE was not needed because there was no continued employment. 4506s were not needed since this is XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing signed and dated 4506-C for XXXX and XXXX and Verbal verification of employment is required within XXXX business days from the note date. |  |  |  | Reviewer Comment (2025-06-16): System cleared after Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to qualify borrower using XXXX severance package that started in XXXX . XXXX has received first payment. Greater details attached and outlined in the LOX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly mortgage payment has decreased by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Documentation Type: XXXXyr Full Doc<br> Disposable Income: $XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-16): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final XXXX |  |  |  |  |  | Reviewer Comment (2025-05-21): Received 1003 in trailing docs.<br>Seller Comment (2025-05-20): (Rate Lock) XXXX provided, not need to be signed and this is a XXXX loan and informational only | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Calculated Debt Service Coverage Ratio of XXXX does not meet Guideline Debt Service Coverage Ratio XXXX . | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>XXXXxXXXXxXXXX month housing history. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-14): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for property listed within the past XXXX months which is not allowed by guidelines for a cash out transaction. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>XXXXxXXXXxXXXX month housing history. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-14): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX immigration status. Borrower is from XXXX , documents provided reflect he has temporary protected status designation while awaiting his XXXX authorization. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXXxXXXXxXXXX or better | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty | XXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX . Prepay language states prepay will not exceed maximum permitted by applicable law. | Note disclosed a prepayment penalty. No prepayment penalties are permissible in the state of XXXX . |  |  |  | Reviewer Comment (2025-05-30): XXXX prepayment penalty restrictions are applicable to individuals, not a business or an LLC.<br>Seller Comment (2025-05-29): (Rate Lock) Meets guides please review | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115414 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for XXXX less than the guideline minimum of XXXX with no primary housing expense. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXX or better; Borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least XXXX pay history | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX did not disclose why the loan will not have an escrow account. |  |  |  | Reviewer Comment (2025-06-16): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-15): (Rate Lock) PCCD provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing XXXX months' verification of rent (VOR) required by guidelines. Only XXXX months bank statements showing rental payment were provided, payment for XXXX XXXX is missing. |  |  |  | Reviewer Comment (2025-07-03): Received docs in trailing docs.<br>Reviewer Comment (2025-06-25): Bank statement from XXXX to XXXX is missing in file for rental payment of borrower. Deposit receipt is also not available in file. Exception Remains.<br>Seller Comment (2025-06-24): (Rate Lock) XXXX rent + deposit provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXX Non Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-18): Received proof of receipt of appraisal in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) There were no value changes to the appraisal as the effective date remained the same. Therefore this does not need to be reviewed XXXX business days prior. Original appraisal was sent prior to and this is sufficient for appraisal XXXX day rule<br>Seller Comment (2025-06-09): (Rate Lock) Proof borrower had the original appraisal XXXX which is XXXX business days prior to close<br>Reviewer Comment (2025-06-04): Document provided showed the appraisal was mailed XXXX, not received by the borrower on the said date. Without actual proof that borrower received the appraisal XXXX days before closing, the XXXX day mail rule applies which brings the receipt date to XXXX, XXXX day after closing.<br>Seller Comment (2025-06-02): (Rate Lock) Cert provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan XXXX Test | TILA HPML appraisal Rule (Dodd-Frank XXXX): Safe Harbor requirements not satisfied. | XXXX requirements not satisfied for non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-20): Client elects to Waive.<br>Seller Comment (2025-06-18): (Rate Lock) Lender accepts the EV2 and wishes to waive<br>Reviewer Comment (2025-06-18): EV2 informational exception showing final appraisal not received prior to closing. Provide evidence borrower received appraisal on or before XXXX.<br>Seller Comment (2025-06-16): (Rate Lock) There were no value changes to the appraisal as the effective date remained the same. Therefore this does not need to be reviewed XXXX business days prior. Original appraisal was sent prior to and this is sufficient for appraisal XXXX day rule<br>Seller Comment (2025-06-09): (Rate Lock) Proof borrower had the original appraisal XXXX which is XXXX business days prior to close<br>Reviewer Comment (2025-06-04): Document provided showed the appraisal was mailed XXXX, not received by the borrower on the said date. Without actual proof that borrower received the appraisal XXXX days before closing, the XXXX day mail rule applies which brings the receipt date to XXXX, XXXX day after closing.<br>Seller Comment (2025-06-02): (Rate Lock) Cert provided | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence borrower received appraisal at or before closing. |  |  |  | Reviewer Comment (2025-06-18): Received proof of receipt of appraisal in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) There were no value changes to the appraisal as the effective date remained the same. Therefore this does not need to be reviewed XXXX business days prior. Original appraisal was sent prior to and this is sufficient for appraisal XXXX day rule<br>Reviewer Comment (2025-06-10): Received preliminary appraisal dated XXXX with delivery proof. We would require proof that the borrower received appraisal dated XXXX within XXXX business days prior to closing. Exception remains<br>Seller Comment (2025-06-09): (Rate Lock) Proof borrower had the original appraisal XXXX which is XXXX business days prior to close<br>Reviewer Comment (2025-06-04): Document provided showed the appraisal was mailed XXXX, not received by the borrower on the said date. Without actual proof that borrower received the appraisal XXXX days before closing, the XXXX day mail rule applies which brings the receipt date to XXXX, XXXX day after closing.<br>Seller Comment (2025-06-02): (Rate Lock) Cert provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for BXXXX for excessive NSF/OD XXXX in a XXXX month period, guidelines allow a maximum of XXXX . | Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXX or better | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-29): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-20): Client elects to Waive.<br>Seller Comment (2025-06-18): (Rate Lock) Lender accepts the EV2 and wishes to waive<br>Reviewer Comment (2025-06-18): EV2 informational exception showing final appraisal not received prior to closing. Provide evidence borrower received appraisal on or before XXXX.<br>Seller Comment (2025-06-16): (Rate Lock) There were no value changes to the appraisal as the effective date remained the same. Therefore this does not need to be reviewed XXXX business days prior. Original appraisal was sent prior to and this is sufficient for appraisal XXXX day rule<br>Reviewer Comment (2025-06-10): Received preliminary appraisal dated XXXX with delivery proof. We would require proof that the borrower received appraisal dated XXXX within XXXX business days prior to closing. Exception remains<br>Seller Comment (2025-06-09): (Rate Lock) Proof borrower had the original appraisal XXXX which is XXXX business days prior to close<br>Reviewer Comment (2025-06-04): Document provided showed the appraisal was mailed XXXX, not received by the borrower on the said date. Without actual proof that borrower received the appraisal XXXX days before closing, the XXXX day mail rule applies which brings the receipt date to XXXX, XXXX day after closing.<br>Seller Comment (2025-06-02): (Rate Lock) Cert provided | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of revised valuation to applicant XXXX XXXX business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-20): Client elects to Waive.<br>Seller Comment (2025-06-18): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115421 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX with a XXXX % LTV. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-06): Lender exception with compensating factors.<br>Seller Comment (2025-06-04): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115421 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR is less than the guideline minimum of XXXX . | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower's Housing payment history is XXXX or better | SitusAMC<br>Originator | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for XXXX % LTV reduction for borrower living rent free. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for XXXX % LTV reduction for borrower living rent free. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-11): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing a signed and dated letter from the owner for verification of living rent free. |  |  |  | Reviewer Comment (2025-07-01): Received signed and dated letter in trailing docs.<br>Reviewer Comment (2025-06-19): Unable to determine who provided the document. Evidence the document was uploaded, but not sourced from relative. Guidelines require the letter to be signed and dated.<br>Reviewer Comment (2025-06-16): Signed and dated letter from the owner for verification of living rent free required. Exception remains<br>Seller Comment (2025-06-13): (Rate Lock) LOE is not needed - B1 lives with B2 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for BXXXX being self employed for less than XXXX year. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves:XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for borrower living rent free. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves:XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of XXXX is less than Guideline required borrower's own funds of XXXX. | Borrower does not meet minimum required contribution of XXXX %. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has worked in the same position for more than XXXX years.<br>Housing payment history is XXXX or better. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX due to insufficient borrower own funds. Gift funds not allowed for reserves. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has worked in the same position for more than XXXX years.<br>Housing payment history is XXXX or better. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement:XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender Exception with Compensating Factors provided.<br>Seller Comment (2025-05-30): Please see attached exception for condo<br>Reviewer Comment (2025-05-29): Document provided shows condo is not warrantable.<br>Seller Comment (2025-05-23): See attached condo warranty from lender | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is missing. |  |  |  | Reviewer Comment (2025-05-29): Received Initial 1003 doc in trailing docs.<br>Seller Comment (2025-05-23): See attached initial 1003 | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA XXXX Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. XXXX occupancy witrh no business purpose cert in file. Loan is not subject to [redact] tests in scope requiring points and fees. | Final HUD-1 is missing in file. |  |  |  | Reviewer Comment (2025-05-29): Client elects to waive<br>Seller Comment (2025-05-23): [redact] accepts XXXX please waive. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty | XXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX . Prepay language states prepay will not exceed maximum permitted by applicable law. | Prepay language states prepay will not exceed maximum permitted. |  |  |  | Reviewer Comment (2025-05-29): Client elects to waive<br>Seller Comment (2025-05-23): [redact] accepts XXXX please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for HOA Delinquency of XXXX % vs max XXXX %. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement:XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-22): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115430 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-18): Client elects to waive.<br>Seller Comment (2025-06-17): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115431 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Provide evidence borrower has owned an XXXX property in the last XXXX months. |  |  |  | Reviewer Comment (2025-06-18): Received documentation in trailing docs.<br>Seller Comment (2025-06-16): (Rate Lock) Bwr is not a first time investor - he is doing a XXXX - the investment was in the business name | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | XXXX Party Verification is not dated and missing on file |  |  |  | Reviewer Comment (2025-06-06): Received business listing doc in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for - XXXX Requesting Approval for borrower to use his commission from the XXXX towards closing/down payment.Please provide an updated lender exception for compensating factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Miscellaneous | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: $XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Borrower has low revolving credit utilization, no derogatory. VOR since XXXX no lates. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-06): Lender exceptions with comp factors.<br>Seller Comment (2025-06-04): (Rate Lock) CF updated | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | XXXX party verification is missing from file. |  |  |  | Reviewer Comment (2025-06-06): Received business listing doc in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | XXXX party verification for income is missing from file. |  |  |  | Reviewer Comment (2025-06-06): Received business listing doc in trailing docs. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | XXXX party verification for income is missing from file. |  |  |  | Reviewer Comment (2025-06-06): Received business listing doc in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing XXXX party verification. |  |  |  | Reviewer Comment (2025-06-06): Received business listing doc in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception for subject property is in a declining market. Guidelines require XXXX % reduction in LTV for declining property and LTV is XXXX %. Please provide an updated lender exception for compensating factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Miscellaneous | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: $XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Borrower has low revolving credit utilization, no derogatory. VOR since XXXX no lates. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-06): Lender exceptions with comp factors.<br>Seller Comment (2025-06-04): (Rate Lock) CF updated | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to excessive DTI when ATR payment calculation method is utilized. |  |  |  | Reviewer Comment (2025-07-08): Client elects to waive with Compensating Factors and Lender Exception. System cleared.<br>Seller Comment (2025-07-03): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender approved exception to allow CPA letter from a CPA who did not file the most recent year tax returns as required by guidelines, and allowed less than XXXX years secondary employment for borrower's secondary employment. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement:XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow Appraisal reflecting legal non-conforming and if destroyed it would require a setback from the river and the highway. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement:XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the subject having a XXXX with a mortgage modification in the past XXXX years. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement:XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than XXXX days prior to the note date. |  | Lender approved exception for Credit Report more than XXXX days old required by guidelines and income/asset documents expiring during rescission. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement:XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | Misc. State Level | XXXX HLPP Broker TNB Test | XXXX Home Loan (XXXX): Unable to determine if brokered mortgage loan has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  | Reviewer Comment (2025-06-25): Client elects to Waive.<br>Seller Comment (2025-06-24): (Rate Lock) Lender accepts Ev2 | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXXPercent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-10): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank XXXX): The Qualification Method used by the lender does not match the ATR payment calculation methods under XXXX. | Payment after interest only period not used to qualify the borrower. Origination qualification does not meet ATR requirements. |  |  |  | Reviewer Comment (2025-07-08): Client elects to waive with Compensating Factors and Lender Exception. System cleared.<br>Seller Comment (2025-07-03): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank XXXX): The DTI calculated in accordance with the XXXX of XXXX % moderately exceeds the guideline maximum of XXXX %. (DTI Exception is eligible to be regraded with compensating factors.) | Payment after interest only period not used to qualify the borrower. Origination qualification does not meet ATR requirements. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement:XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-08): Client elects to waive with Compensating Factors and Lender Exception.<br>Seller Comment (2025-07-03): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-06-17): Evidence borrower is sole member provided.<br>Reviewer Comment (2025-06-16): Operating agreement is not provided. Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Fund is missing in file. |  |  |  | Reviewer Comment (2025-06-17): CPA letter provided for spouse/purchaser.<br>Reviewer Comment (2025-06-16): Borrower must have the authority to access/withdraw funds for personal use from business. Exception remains.<br>Seller Comment (2025-06-16): (Rate Lock) Access letter is not required for a non-borrowing title holder | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO:XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: XXXX - Out Utilization not provided |  | XXXX out utilization not provided |  |  |  | Reviewer Comment (2025-06-13): Received docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-18): Client elects to waive.<br>Seller Comment (2025-06-16): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal at least 3 business days to closing. |  |  |  | Reviewer Comment (2025-06-18): Client elects to waive.<br>Seller Comment (2025-06-16): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  |  |  |  |  | Reviewer Comment (2025-07-10): Received documentation in trailing docs. | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Refinance - Cash-out - Other | D A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower being First time home buyer and buying investment property - also purchase contract shows assignment of agreement amendment. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>Qualifying DTI less than XXXX%, AND at least XXXX% less than guideline maximum.<br>FICO higher than XXXX, AND at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is blank. |  |  |  | Reviewer Comment (2025-06-06): Client elects to waive.<br>Seller Comment (2025-06-04): (Rate Lock) Lender accepts the eV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-06-06): Client elects to waive.<br>Seller Comment (2025-06-04): (Rate Lock) Lender accepts the eV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approve an exception to allow FICO score of XXXX for XXXX % LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower's Experience/Track Record<br>Miscellaneous | Borrower has XXXX years experience with multiple REOs.<br>Borrower has XXXX+ years XXXX | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender approved exception for Loan amount $XXXX being less than guidelines required minimum loan amount of $XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement:XXXX<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX<br>Borrower Profile: XXXX years of experience, XXXX rental properties <br> Renting above market (In place rent = $XXXX, market rent = $XXXX)<br> Strong PPP: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-27): Lender exception with comp factors.<br>Seller Comment (2025-05-22): (Rate Lock) Please see attached exception approval from loan buyer | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115448 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | Lender approved exception for a loan amount below the $XXXX guidelines minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115449 | XXXX | XXXX |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | SSN red flag on the fraud report has not been addressed. |  |  |  | Reviewer Comment (2025-06-04): Information on XXXX<br>Seller Comment (2025-06-02): (Rate Lock) XXXX states we received the SSN card to verify the fraud alert. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower's Experience/Track Record | Borrower has a payment history of XXXX or better. | SitusAMC<br>Originator | Reviewer Comment (2025-07-02): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-06-30): (Rate Lock) Corrected CFs provided<br>Reviewer Comment (2025-06-16): Lender exception states DSCR is XXXX and verified is XXXX - $XXXX gross rents and $XXXX PITI per first payment letter = XXXX DSCR and comp factor states reserves are at least XXXX months more than guideline minimum but only XXXX months verified. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115451 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception allowing DSCR of XXXX which is below required XXXX | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved allowing gift funds of $XXXX which exceeds XXXX % of the purchase price. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115453 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Requesting Exception for DSCR Score of XXXX (Minimum required is XXXX) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has a housing payment history of XXXX | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exceptions with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115455 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX overdrafts when maximum is XXXX . | Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX XXXX business days prior to closing. | Closing Disclosure not provided to Borrower at least XXXX XXXX business days prior to closing. |  |  |  | Reviewer Comment (2025-05-23): XXXX received XXXX CD XXXX business days prior to consummation.<br>Seller Comment (2025-05-22): Please see initial CD and proof of delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | No Defined Cure B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . A valid COC or cure was not provided. |  |  |  | Reviewer Comment (2025-05-28): XXXX received valid COC dated XXXX<br>Seller Comment (2025-05-27): See attached VCOC and credit exception<br>Reviewer Comment (2025-05-27): Received COC dated XXXX states rate changed from XXXX to XXXX; however, actual rate change on CDs is XXXX to XXXX. Provided COC does not give sufficient information on why the discount fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-05-27): Previous CD XXXX show rate as XXXX<br>Reviewer Comment (2025-05-23): XXXX received COC dated XXXX states rate changed from XXXX to XXXX; however, in actual rate change from XXXX to XXXX. Provide COC does not give sufficient information on why the discount fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-05-22): See attached VCOC for discount points | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . |  |  |  | Reviewer Comment (2025-05-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-05-22): Cured at the closing. See final CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Rural property is not permitted on XXXX Home, XXXX , or Cash-Out XXXX per Guidelines |  | Lender approved exception for XXXX property on a XXXX home. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower has verified disposable income of at least $XXXX. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-21): Lender exception using comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Second Home | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for multiple XXXX fees over max requiring exception as max allowed is XXXX per XXXX months and file reflects XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan file is missing an operating agreement for XXXX showing borrower's spouse's percentage of ownership. |  |  |  | Reviewer Comment (2025-06-10): Received XXXX letter in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification, Insurance Verification, Statement, Tax Verification missing or XXXX |  |  |  | Reviewer Comment (2025-06-12): Received docs in trailing docs.<br>Reviewer Comment (2025-06-10): Missing mortgage statement for XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - XXXX | Mortgage statement is not provided. |  |  |  | Reviewer Comment (2025-06-09): Received docs in tailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower having XXXX NSF/OD within XXXX months when maximum allowed is XXXX . | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan file is missing an operating agreement for XXXX. showing borrower's spouse's percentage of ownership. |  |  |  | Reviewer Comment (2025-06-09): Received docs in tailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to allow seasoning to be met at note date and not application date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-29): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-06-05): XXXX received attestation stating survey required by title.<br>Seller Comment (2025-06-04): (Rate Lock) cert that title required the survey<br>Reviewer Comment (2025-06-04): XXXX received LOX .However, it doesn't specify whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Seller Comment (2025-06-03): (Rate Lock) Cert provided<br>Reviewer Comment (2025-06-03): XXXX received rebuttal comment. However, we also required attestation letter from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider.<br>Seller Comment (2025-06-02): (Rate Lock) Borrower shopped for their survey fee. SSPL reflects XXXX surveying, but CD shows borrower went with XXXX XXXX. No cure is need since they shopped. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved an exception for FICO score of XXXX which is less than Guideline FICO score of XXXX with a XXXX % LTV. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement is not provided for Address: XXXX |  |  |  | Reviewer Comment (2025-06-09): Received docs in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-09): Client elects to waive.<br>Seller Comment (2025-06-06): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception to continue with over max allowed XXXX fees reflected in bank statements of XXXX over max of XXXX within XXXX months. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan file is missing an operating agreement for XXXX. showing borrower's spouse's percentage of ownership. |  |  |  | Reviewer Comment (2025-06-09): Received CPA letter in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and XXXX is not in images. |  |  |  | Reviewer Comment (2025-07-07): XXXX received and updated .Exception cleared<br>Seller Comment (2025-07-03): (Rate Lock) XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved an exception for non-warrantable condo. Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous<br>Miscellaneous | Association is XXXX% Owner Occupied, Low Delinquency of XXXX%,<br>Low LTV of XXXX%. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. Low loan amount of $XXXX.<br>Reviewer Comment (2025-06-09): Compensating factors provided do not apply to the loan. Max LTV for XXXX FICO is XXXX%. XXXX is only XXXX greater than the minimum.<br>Seller Comment (2025-06-06): attached | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Single entity ownership is XXXX % vs guideline max of XXXX %. Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous<br>Miscellaneous | Association is XXXX% Owner Occupied, Low Delinquency of XXXX%,<br>Low LTV of XXXX%. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. Low loan amount of $XXXX.<br>Seller Comment (2025-06-13): attached | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX is XXXX % vs non warrantable guideline minimum of XXXX %. Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous<br>Miscellaneous | Association is XXXX% Owner Occupied, Low Delinquency of XXXX%,<br>Low LTV of XXXX%. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. Low loan amount of $XXXX. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for HOA does not have XXXX bond insurance policy. Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous<br>Miscellaneous | Association is XXXX% Owner Occupied, Low Delinquency of XXXX%,<br>Low LTV of XXXX%. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. Low loan amount of $XXXX. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requesting excessive single entity ownership XXXX % and excessive investor concentration XXXX %. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower is an experienced investor. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested to allow mortgage late XXXX and allow XXXX ownership change mid application. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower is an experienced investor. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requesting borrower use new checking account for cash to close without XXXX - day sourcing and seasoning; account open XXXX will have XXXX days seasoning as of XXXX . Closing XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower is an experienced investor. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved an exception for non-warrantable condo. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower is an experienced investor. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Excessive Single Entity Ownership (XXXX % vs max XXXX %) and Excessive XXXX Concentration (XXXX % vs max XXXX %)<br> Single Entity Ownership is not the developer or original sponsors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying XXXX on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record | The XXXX of XXXX is greater than the minimum required XXXX of XXXX.<br>Borrower is a experienced investor. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-09): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved an exception for Representative FICO score of XXXX which is less than Guideline minimum of XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Seasoned Borrower/Investor whose experience exceeds XXXX completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Seasoned Borrower/Investor whose experience exceeds XXXX completed projects.<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115474 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR of XXXX . | Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | LTV exceeds max of XXXX % for a loan amount under $XXXX . | The Debt Service Coverage Ratio (XXXX) is greater than the guideline requirement by .XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | The Debt Service Coverage Ratio (XXXX) is greater than the guideline requirement by .XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | LTV exceeds max of XXXX % for a loan amount under $XXXX . | The Debt Service Coverage Ratio (XXXX) is greater than the guideline requirement by .XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | The Debt Service Coverage Ratio (XXXX) is greater than the guideline requirement by .XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-13): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115478 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for DSCR score of XXXX . | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Seasoned Borrower/Investor whose experience exceeds XXXX completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Seasoned Borrower/Investor whose experience exceeds XXXX completed projects.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for multiple XXXX transfers and returned items. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Lender approved an exception for XXXX months reserves vs XXXX months reserves required by the guidelines. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to reserves of XXXX less than guideline requirement of XXXX resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (2025-06-24): System cleared with Compensating Factors from Lender Exception. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to reserves of XXXX being less than guideline requirement of XXXX . |  |  |  | Reviewer Comment (2025-06-24): System cleared with Compensating Factors from Lender Exception. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115480 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | DSCR is less than the guideline minimum of XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>Seasoned Borrower/Investor whose experience exceeds XXXX completed projects.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-30): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a XXXX time home buyer and ineligible per guidelines. |  | Lender approved exception for borrower being a XXXX - time home buyer. | Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>The qualifying XXXX on the loan is greater than the guideline minimum. | FICO higher than XXXX, AND at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better.<br>Qualifying XXXX higher than XXXX , AND at least XXXX higher than guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower being a XXXX - time investor. | Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>The qualifying XXXX on the loan is greater than the guideline minimum. | FICO higher than XXXX, AND at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better.<br>Qualifying XXXX higher than XXXX , AND at least XXXX higher than guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX Yrs PPP, state of XXXX , XXXX Yr XXXX Mos Interest. | Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>The qualifying XXXX on the loan is greater than the guideline minimum. | FICO higher than XXXX, AND at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better.<br>Qualifying XXXX higher than XXXX , AND at least XXXX higher than guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for both open accounts on credit are only authorized users. | Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>The qualifying XXXX on the loan is greater than the guideline minimum. | FICO higher than XXXX, AND at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better.<br>Qualifying XXXX higher than XXXX , AND at least XXXX higher than guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved DSCR of XXXX which is less than guideline minimum required of XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved exception for CLTV of XXXX %. Max is XXXX % for a property listed for sale within the past XXXX months and XXXX % CLTV reduction for a vacant property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception for LTV of XXXX %. Max is XXXX % for a property listed for sale within the past XXXX months and XXXX % LTV reduction for a vacant property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX - NSF's in a XXXX-month period. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for XXXX length transaction on an XXXX purchase. Property with XXXX acres when maximum for XXXX property is XXXX acres. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property is XXXX which is ineligible for an XXXX property. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least XXXX XXXX business days prior to closing. |  |  |  | Reviewer Comment (2025-06-17): XXXX received XXXX CD XXXX business days prior to consummation.<br>Reviewer Comment (2025-06-16): CD XXXX is located in file. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower XXXX business days prior to review.<br>Seller Comment (2025-06-13): (Rate Lock) APR did not change by more than .XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | No Defined Cure B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. |  | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. |  | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | The loan amount is below the minimum requirement of $XXXX . Please provide an updated lender exception for DSCR XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower's Experience/Track Record. The borrower has: XXXX Years of Experience. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-06-09): (Rate Lock) Please see attached loan buyer approval for loan amount under $XXXX. Please also see attached UW file (see page XXXX under cash flows) showing the loan has a XXXX XXXX | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing 1099 transcript for XXXX income. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>FICO higher than XXXX and at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - XXXX | File is missing 1099 transcript for XXXX income. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this XXXX transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>FICO higher than XXXX and at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-04): (Rate Lock) Yes it was for the recording fees.<br>Reviewer Comment (2025-06-04): XXXX received comment. However, kindly confirm whether the cure of $XXXX provided at closing was for XXXX percent tolerance limit.<br>Seller Comment (2025-06-03): (Rate Lock) This was already cleared below | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): XXXX received Valid COC along with supporting comments on the exception.<br>Seller Comment (2025-06-04): (Rate Lock) Increase due to availability of appraisers and the holiday<br>Reviewer Comment (2025-06-04): XXXX received rebuttal. However, the COC dated XXXX the reason is not sufficient for the fee increase. Kindly provide a valid reason as to why the appraisal fee were increased on XXXX or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-06-03): (Rate Lock) Appraisal fee was re-disclosed at the correct amount within XXXX days of the XXXX. This is valid as it was XXXX within the timeframe allowed for the fee to increase and is compliant. Please clear | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower Exception Requested:<br> Appraisal shows declining market, and they want to proceed with XXXX% LTV with no XXXX % hit for declining market. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXX or better | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-10): Lender exception with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-06): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX |  | Credit | Investment Product | General | Investment Product | REO property does not have a XXXX in place and required by guidelines. |  | Lease agreement is missing. |  |  |  | Reviewer Comment (2025-06-05): Property is short term rental. Lease agreement is not required.<br>Seller Comment (2025-06-03): (Rate Lock) No lease as its an XXXX XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Calculated loan to value percentage of XXXX % exceeds maximum LTV of XXXX % for short term rental. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Calculated combined loan to value percentage of XXXX % exceeds maximum LTV of XXXX % for short term rental. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-02): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115498 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Approved lender exception- DSCR is less than XXXX . | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>Housing payment history is XXXX or better. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115502 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for Housing history not meeting the guideline requirements. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $ XXXX<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $ XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing for the subject property. |  |  |  | Reviewer Comment (2025-07-02): Received docs in trailing docs.<br>Reviewer Comment (2025-06-17): Property is XXXX so lease is not required, however the following requirements for XXXX was not provided, Short term rental statements must clearly identify the subject property by address. Property ID # and property description alone is not sufficient.<br>Reviewer Comment (2025-06-16): Please provide signed and dated lease agreement. Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in file. |  |  |  | Reviewer Comment (2025-07-02): Received Article of Formation in trailing docs.<br>Reviewer Comment (2025-06-25): Document provided is not an Articles or organization. Please provide a certified articles of organization to evidence the existence of the XXXX.<br>Seller Comment (2025-06-23): (Rate Lock) Please see page XXXX section c<br>Reviewer Comment (2025-06-16): Please Provide Articles of Organization/Formation document. Exception remains. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX for an XXXX property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property being a short term rental in a XXXX area. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Lender requested exception to allow borrower to use XXXX % of business funds for cash to close/reserves with access letter from partners. Borrower is XXXX % owner and guidelines require at least XXXX % ownership for borrower to access funds limited to borrower's ownership percentage. Access letter was not provided in file. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-06-25): Waived with Compensating Factors.<br>Seller Comment (2025-06-24): (Rate Lock) accept EV2 as is and wishes to proceed<br>Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing insurance verification for XXXX. |  |  |  | Reviewer Comment (2025-06-24): Received mortgage statement i trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115507 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender Requesting exception for DSCR score of XXXX (minimum Request is XXXX) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>Borrower's Experience/Track Record | Monthly reserves is verified AND at least XXXX months more than guideline minimum.<br>FICO higher than XXXX, AND at least XXXX points higher than guideline minimum.<br>Housing payment history is XXXX or better.<br>Borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least XXXX pay history. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least XXXX (XXXX) business days prior to closing. | Evidence of borrower's receipt of the Closing Disclosure at least XXXX business days prior to closing was not provided. |  |  |  | Reviewer Comment (2025-06-18): XXXX received initial CD.<br>Seller Comment (2025-06-17): Please see attached initial CD and proof of delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | No Defined Cure A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. | Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-18): XXXX received a valid COC.<br>Seller Comment (2025-06-17): See trailing VCOC | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-18): XXXX received a valid COC.<br>Seller Comment (2025-06-17): Please see attached CD and VCOC with proof of delivery. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Lender on Appraisal differs from the Note, however, no appraisal transfer letter was provided. |  |  |  | Reviewer Comment (2025-06-11): Received appraisal transfer letter in trailing docs.<br>Seller Comment (2025-06-09): See trailing documents for appraisal transfer letter | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan XXXX Test | TILA HPML appraisal Rule (Dodd-Frank XXXX): Safe Harbor requirements not satisfied. | Lender on Appraisal differs from the XXXX , however, no appraisal transfer letter was provided. |  |  |  | Reviewer Comment (2025-06-11): Received appraisal transfer letter in trailing docs.<br>Seller Comment (2025-06-09): See attached appraisal transfer letter. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower only having XXXX tradeline. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-06-09): Why is this EV 3 when there is an exception? | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (2025-06-05): Inspection post declaration date but per end date.<br>Seller Comment (2025-06-03): (Rate Lock) Please see attached appraisal report (effective date XXXX; signature and report date XXXX) on page XXXX of the PDF. The appraiser commented in the addendum (highlighted for convenience) that there is no storm damage and no impact on current or future marketability. Okay to waive and downgrade to EV2 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-06-10): Received Note with a corrected loan amount in trailing docs.<br>Seller Comment (2025-06-06): (Rate Lock) We uploaded the correct set of loan documents with the $XXXX loan amount so the title work is correct. Please see attached note for verification | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument loan amount and note original loan amount do not concur. |  | Please provide the security instrument with the corrected loan amount that reflects $XXXX . |  |  |  | Reviewer Comment (2025-06-10): Updated Documents provided.<br>Seller Comment (2025-06-10): (Rate Lock) Please see attached mortgage reflecting $XXXX loan amount | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provided policy is not covering the loan amount however new title is required in the file. |  |  |  | Reviewer Comment (2025-06-10): Received corrected Note in trailing docs.<br>Seller Comment (2025-06-06): (Rate Lock) We uploaded the correct set of loan documents with the $XXXX loan amount so the title work is correct. Please see attached note for verification | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment missing in the file. |  |  |  | Reviewer Comment (2025-06-10): Received corrected Note in trailing docs.<br>Seller Comment (2025-06-06): (Rate Lock) We originate only business-purpose loans and our loan document provider does not issue a separate prepayment addendum to the note. The prepayment penalty information is included in Section XXXX. of the note - see attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A |  | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (2025-06-05): Inspection post declaration date, pre end date. No damage.<br>Seller Comment (2025-06-03): (Rate Lock) Please see attached PDI ordered for the property for this XXXX disaster alert - okay to waive and downgrade to EV2 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument loan amount and note original loan amount do not concur. |  | Please provide the security instrument with the corrected loan amount of $XXXX . |  |  |  | Reviewer Comment (2025-06-11): Updated Mortgage provided.<br>Reviewer Comment (2025-06-10): Updated Security Instrument was not in docs provided for upload. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-06-06): Updated Note provided in Trailing documents.<br>Seller Comment (2025-06-06): (Rate Lock) We uploaded the correct set of loan documents with the $XXXX loan amount so the title work is correct. Please see attached note for verification | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (2025-06-05): Inspection post declaration date, pre end date. No damage.<br>Seller Comment (2025-06-03): (Rate Lock) Please see attached PDI addressing this XXXX disaster alert - okay to waive and downgrade to EV2 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXXX<br> Disaster Declaration Date: XXXX |  |  |  |  | Reviewer Comment (2025-06-04): PDI provided.<br>Seller Comment (2025-06-03): (Rate Lock) Please see attached PDI completed for this XXXX disaster declaration - okay to waive and downgrade to EV2 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the XXXX in file. | The preliminary title report in file disclosed $XXXX of title insurance coverage; however this is less than the loan amount of $XXXX . Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-06-04): Client elects to Waive. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 not provided. |  |  |  | Reviewer Comment (2025-06-06): Provided. Cleared.<br>Seller Comment (2025-06-06): (Rate Lock) Please see attached final loan application | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115516 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of XXXX is less than Guideline minimum loan amount of XXXX. | The loan amount is $XXXX which is below $XXXX minimum required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower's Experience/Track Record<br>The qualifying DSCR on the loan is greater than the guideline minimum. | XXXX year experience and XXXX REO<br>XXXXx DSCR | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX , prior to XXXX (XXXX) business days from transaction date of XXXX . | Loan disbursed on XXXX which is XXXX business days prior from transaction date. |  |  |  | Reviewer Comment (2025-06-20): Final Settlement Stmt provided. Dis date XXXX<br>Seller Comment (2025-06-18): (Rate Lock) File disbursed XXXX this is acceptable | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is not provided. |  |  |  | Reviewer Comment (2025-06-16): Client elects to Waive.<br>Seller Comment (2025-06-12): (Rate Lock) Lender accepts the EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception for XXXX score below minimum of XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a XXXX sqft condo unit which is below the XXXX sqft required minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-17): .<br>Reviewer Comment (2025-06-17): Lender provided exceptions with compensating factors.<br>Seller Comment (2025-06-13): (Rate Lock) Please see attached exception approval from the loan buyer | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX concentration as the condo has XXXX % investor concentration exceeding the guideline maximum of XXXX %. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-17): Lender provided exceptions with compensating factors.<br>Seller Comment (2025-06-13): (Rate Lock) Please see attached exception approval from the loan buyer | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | C B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115522 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for zoning as XXXX /XXXX /XXXX , XXXX is not permitted under guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-23): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use bank statements for Asset Utilization with one co-owner that is not a borrower. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>Miscellaneous | Housing payment history is XXXX or better.<br>Borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least XXXX pay history. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for borrower who does not have an established credit history of XXXX years. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower's Experience/Track Record | Borrower is a first time investor who purchased XXXX residence in XXXX XXXX, prior to that was living rent free. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Borrower contribution of XXXX % when requirement is for XXXX XXXX% when using XXXX funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower's Experience/Track Record | Borrower is a first time investor who purchased XXXX residence in XXXX XXXX, prior to that was living rent free. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to allow use of XXXX from non-borrowing title holder borrower's father. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower's Experience/Track Record | Borrower is a first time investor who purchased XXXX residence in XXXX XXXX, prior to that was living rent free. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Gift funds of $XXXX being more than XXXX % of the XXXX price. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>Borrower's Experience/Track Record | Borrower is a first time investor who purchased XXXX residence in XXXX XXXX, prior to that was living rent free. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Calculated loan to value percentage of XXXX % exceeds Guideline loan to value percentage of XXXX % for a refinance. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower has XXXX years of experience with XXXX REO significant renovations. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-06): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Lender approved an exception for Calculated PITIA months reserves of XXXX less than Guideline PITIA months reserves of XXXX . | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower has XXXX years of experience with XXXX REO significant renovations. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-06): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Rate/Term | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan XXXX Test | TILA HPML appraisal Rule (Dodd-Frank XXXX): Safe Harbor requirements not satisfied. | Lender on Appraisal differs from the Note. Appraisal transfer was not provided. |  |  |  | Reviewer Comment (2025-06-16): Client elects to waive.<br>Seller Comment (2025-06-12): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved an exception for XXXX % LTV which is greater than guideline maximum LTV of XXXX % for borrower living rent free. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender provided exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved an exception for XXXX % CLTV which is greater than guideline maximum CLTV of XXXX % for borrower living rent free. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender provided exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal address does not match the Note address. Legal address shows a city that does not match Note. |  |  |  | Reviewer Comment (2025-07-08): Per legal description, the property is also known by the city address of XXXX.<br>Seller Comment (2025-07-07): (Rate Lock) Please see page XXXX on comments about the city name<br>Reviewer Comment (2025-06-25): Attached.<br>Reviewer Comment (2025-06-25): Attached<br>Seller Comment (2025-06-24): (Rate Lock) Please see page XXXX on comments about the city name | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance address does not match the Note address. Legal address shows a city that does not match Note. |  |  |  | Reviewer Comment (2025-07-08): Updated document provided.<br>Reviewer Comment (2025-07-07): Exception remains. Need Hazard Insurance Policy with correctly subject property address. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | XXXX history reflects lates that do not meet guidelines. | - Housing history reflects a total of XXXX reported late payments. | Lender approved exception for housing history lates, primary residence heloc with a XXXX day late within the past XXXX months. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of XXXX reported late payments. | Lender approved exception for credit card with a past due balance of $XXXX , was paid off at closing. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for mortgage #XXXX XXXX day late on XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115534 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender approved exception for LTV of XXXX %. Calculated LTV of XXXX % exceeds Guideline loan to value percentage of XXXX % for a cash-out refinance with XXXX % LTV reduction due to property listed within the past XXXX months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115534 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender approved exception for CLTV of XXXX %. Calculated CLTV of XXXX % exceeds Guideline loan to value percentage of XXXX % for a XXXX refinance with XXXX % CLTV reduction due to property listed within the past XXXX months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement of Address: XXXX is not provided. |  |  |  | Reviewer Comment (2025-07-03): Received mortgage statement in trailing docs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception to proceed without including note on non-subject in DTI. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $ XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-26): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXXX on Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): XXXX: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-04): (Rate Lock) This was disclosed on the final CD signed at closing - see Lender credits on page XXXX in the amount of $XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $XXXX on Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-05): XXXX: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-04): (Rate Lock) This was disclosed on the final CD signed at closing - see Lender credits on page XXXX in the amount of $XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-06-27): Client elects to waive.<br>Seller Comment (2025-06-25): (Rate Lock) Lender accepts and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for investor occupancy at XXXX % vs guideline max of XXXX %. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for association having outstanding critical repairs. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved exception for non-warrantable condo. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Lender approved exception for minimum FICO at XXXX where guideline minimum is XXXX . | Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has verified disposable income of at least $XXXX.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved exception at origination for "requesting exception to allow dscr score under XXXX at XXXX ". | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Housing payment history is XXXX or better | SitusAMC<br>Originator | Reviewer Comment (2025-06-09): Lender exceptions with comp factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for XXXX cash-out refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved an exception for non-warrantable condo. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%. | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX% | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance address does not match the Note address. Legal address shows a city that does not match Note. |  |  |  | Reviewer Comment (2025-06-16): Received Proof they are one in the same and both are acceptable in trailing docs.<br>Seller Comment (2025-06-12): (Rate Lock) Proof they are one in the same and both are acceptable | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal address does not match the Note address. Legal address shows a city that does not match Note. |  |  |  | Reviewer Comment (2025-06-16): Received Proof they are one in the same and both are acceptable in trailing docs.<br>Seller Comment (2025-06-12): (Rate Lock) Proof they are one in the same and both are acceptable | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of XXXX reported late payments. | Lender approved exception housing lates for XXXX residence XXXX XXXX XXXX days late on XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Credit Card #XXXX has a recent past due balance of $XXXX making pay current. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing a mortgage statement for XXXX property. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-16): Received Final CD in trailing docs.<br>Seller Comment (2025-06-12): (Rate Lock) Final CD provided | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for mortgage #XXXX XXXX day late on XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender approved an exception for DSCR less than XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower has a Housing payment history is XXXX or better and no credit debt. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX |  | Compliance | Compliance | County Compliance | State Defect | (County High Cost) XXXX County Threshold Loan (Points and Fees) | XXXX County Predatory Lending Ordinance: Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXX % of the County Total Loan Amount. Points and Fees total $XXXX on a County Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX %). Compliant High Cost Loan. | Points and Fees on subject loan of XXXX % is in excess of the allowable maximum of XXXXXXXX of the County Total Loan Amount |  |  |  | Reviewer Comment (2025-06-26): Gap Risk Coverage Fee excluded from points and fees based on lender explanation of fee which is coverage for the gap between closing and recording - an excludable fee.<br>Reviewer Comment (2025-06-18): Please provide the purpose for the Title-Gap Risk Coverage Fee of $XXXX disclosed on the Closing Disclosure.<br>Reviewer Comment (2025-06-13): Mavent report provided in trailing docs does show that loan failed the high cost test. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-permanent resident EAD card with XXXX category expired as of XXXX . | Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has verified disposable income of at least $XXXX.<br>Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: $ XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence of earlier receipt of appraisal. |  |  |  | Reviewer Comment (2025-06-26): Client elects to waive.<br>Seller Comment (2025-06-24): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance policy has a shortfall of $XXXX . |  |  |  | Reviewer Comment (2025-06-25): Blanket coverage policy updated as property is PUD attached. Exception cleared<br>Seller Comment (2025-06-24): (Rate Lock) Please see page XXXX , this has extended RC | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard Insurance Policy Effective Date of XXXX is after disbursement Date of XXXX . |  |  |  | Reviewer Comment (2025-06-25): Hazard insurance policy provided is prior to the disbursement date. Exception cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for YTD income from XXXX employer less than XXXX % than prior year, only XXXX % of average monthly income so far. Letter from employer confirms they make bulk of income in latter part of year and expect it to continue. Bank statements show XXXX to XXXX is where bulk of money is made. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has owned the subject property for at least XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing hazard for XXXX . YTD income from 1099 employer is less than XXXX % from prior year. |  |  |  | Reviewer Comment (2025-06-19): System cleared after Lender Exception with Compensating Factors provided and evidence of hazard coverage.<br>Seller Comment (2025-06-17): (Rate Lock) HOI provided and exception provided for 1099 already approved | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing statement to verify hazard payment for XXXX . YTD income from 1099 employer is less than XXXX % from prior year. |  |  |  | Reviewer Comment (2025-06-19): System cleared after Lender Exception with Compensating Factors provided and evidence of hazard coverage.<br>Seller Comment (2025-06-17): (Rate Lock) HOI provided and exception provided for 1099 already approved | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing statement to verify hazard payment for XXXX . YTD income from 1099 employer is less than XXXX % from prior year. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has owned the subject property for at least XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-19): Lender Exception with Compensating Factors provided for 1099 income not at income average YTD.<br>Seller Comment (2025-06-17): (Rate Lock) HOI provided and exception provided for 1099 already approved | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing statement to verify hazard payment for XXXX YTD income from 1099 employer is less than XXXX % from prior year. |  |  |  | Reviewer Comment (2025-06-19): System cleared after Lender Exception with Compensating Factors provided and evidence of hazard coverage.<br>Seller Comment (2025-06-17): (Rate Lock) HOI provided and exception provided for 1099 already approved | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing hazard coverage for XXXX property. |  |  |  | Reviewer Comment (2025-06-19): Hazard provided.<br>Seller Comment (2025-06-17): (Rate Lock) HOI provided and exception provided for 1099 already approved | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115552 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for roof insured at Actual Cash Value vs Replacement Cost after XXXX years. Roof replaced in XXXX (XXXX years) and remaining life XXXX years per reserve study, estimated cost to replace of $XXXX and current HOA reserves is $XXXX . | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-12): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br>Condominium exception for roofs insured at Actual Cash Value vs Replacement Cost. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Mortgage history XXXX + years XXXX. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing mortgage statement (including property charges) for REO XXXX. |  |  |  | Reviewer Comment (2025-06-25): Received Note in the trailing docs.<br>Seller Comment (2025-06-23): See attached First payment letter and note | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Insurance and Tax verification for XXXX property. |  |  |  | Reviewer Comment (2025-06-30): Received documents in trailing docs.<br>Seller Comment (2025-06-26): Please see attached Taxes and Insurance | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Investment | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | Evidence of borrower's receipt of the appraisal XXXX business days prior to consummation was not provided. |  |  |  | Reviewer Comment (2025-06-26): Client elects to waive.<br>Seller Comment (2025-06-24): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-06-26): Client elects to waive.<br>Seller Comment (2025-06-24): (Rate Lock) accept EV2 as is and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee was not disclosed on the initial LE but increased to $XXXX on the final CD. No cure/ change of circumstance was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-27): XXXX received valid rebuttal comment with additional information for a valid changed circumstance.<br>Seller Comment (2025-06-26): (Rate Lock) CDA was needed due to appraisal coming back with high UCDP score | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for XXXX . | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Borrower has verified disposable income of at least $XXXX. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-23): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Credit Report Fee increased to $XXXX without a valid change of circumstance or cure provided to the borrower. |  |  |  | Reviewer Comment (2025-06-25): XXXX : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-06-24): (Rate Lock) Applied at close | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-25): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-20): XXXX received rebuttal comment and as per COC dated XXXX .<br>Seller Comment (2025-06-19): (Rate Lock) It is more than enough, because the borrower decided to provide less bank statements causing the price to increase. The borrower willingly decided to opt for less and take the pricing hit.<br>Reviewer Comment (2025-06-19): XXXX received COC reason with the # of months of bank statement. but it does not give sufficient information on what new information was received in the bank statements that causing to change the pricing and we also required additional information on why the information was received at the time of revised CD dated XXXX and was not known prior to and at initial application disclosure and to provide information supporting lender's knowledge of when they became aware of the changes or Cure is due to borrower.<br>Seller Comment (2025-06-18): (Rate Lock) The CIC states the reason of the change is due to the # of months of bank statements, which is a valid change in pricing.<br>Reviewer Comment (2025-06-18): XXXX received Changed Circumstance dated XXXX , but it does not give sufficient information on why the Lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-06-17): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requesting exception for transferred appraisal showing a manufactured home on the premises (not subject dwelling) | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .XXXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Debt Service Coverage Ratio: XXXX<br> Guideline Requirement: XXXX<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $XXXX . |  |  |  | Reviewer Comment (2025-06-25): Replacement Cost Estimator letter received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) RCE explanation provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) SE VOE provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank XXXX): Unable to verify current employment status using reasonably reliable XXXX - party records. | Waterfall due to missing verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) SE VOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) SE VOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $-XXXX . Insufficient or no cure was provided to the borrower. | XXXX Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $-XXXX . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-26): XXXX received COC dated XXXX and as per rate lock and final LTV on 1008.<br>Seller Comment (2025-06-25): (Rate Lock) Per CIC not just LA changed. Other things did as well. Please reivew.<br>Reviewer Comment (2025-06-25): XXXX : The COC dated XXXX that was provided in the trailing images was also provided in the original loan package indicates that loan amount change. However, Loan amount change is not valid reason for the pricing decrease and lender credit decrease as the lender credit did not decrease proportionately with the loan amount decrease. Also, it does not give sufficient information on what impacts in the program that required to change in the pricing. Please provide additional information to support a valid changed circumstance reason for the pricing decrease.<br>Seller Comment (2025-06-24): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file is missing a verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) SE VOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) SE VOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan file is missing a verification of the business entity used for income within XXXX days prior to the Note date. |  |  |  | Reviewer Comment (2025-06-25): VVOE document received and associated. Exception Cleared.<br>Seller Comment (2025-06-24): (Rate Lock) SE VOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender requested an exception which was approved for DSCR score below XXXX at XXXX . | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Short term rental listed on XXXX but printout does not have the address as required by the guidelines. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-18): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the XXXX in file. |  |  |  |  | Reviewer Comment (2025-07-01): Client elects to waive.<br>Seller Comment (2025-06-27): (Rate Lock) Lende accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115565 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within XXXX XXXX business days of application. |  |  |  |  | Reviewer Comment (2025-07-01): Client elects to waive.<br>Seller Comment (2025-06-27): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115565 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX did not disclose the reason why the loan will not have an escrow account. |  |  |  | Reviewer Comment (2025-06-30): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-27): (Rate Lock) PCCD provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Exception is required to proceed without primary housing documented. The borrower owns primary residence, but not on the mortgage note. Unable to obtain rent free letter. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Borrower has verified disposable income of at least $XXXX. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for more than XXXX XXXX /XXXX in a XXXX month period. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for the budget reserve allocation of 4.2% after deducting the reserve and water/sewer/trash utility line items, requesting for budget below requirement was approved. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 36.73<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 760 | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-25): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX exceeds Guideline total debt ratio of XXXX. | Subject is non-warrantable condo and the maximum DTI is 43%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 36.73<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 760 | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-09): Lender Exception provided with Compensating Factors.<br>Seller Comment (2025-07-07): (Rate Lock) Docs provided<br>Reviewer Comment (2025-06-27): Borrower's primary PITIA= $2,253.35<br> Investment Negative cash flow= $4,898.02<br> Credit debt= $2,188.04 <br> Totals = $9,339.41.<br>DTI= $9,339.41/ $19,238.59 = 48.54%. <br>Calculated income for XXXX #5 based on the tax returns provided is -$1,247.14. 1003/1008 does not match our calculation. Income worksheet associated #6 debt with unit #5 income.<br>Seller Comment (2025-06-25): (Rate Lock) Lender DTI calculated at 43% | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender approved an exception for non-warrantable condo. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-24): Received warranty docs in trailing docs.<br>Seller Comment (2025-06-23): attached<br>Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Second Home | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Lender approved exception to proceed with XXXX months reserves where guideline states we need XXXX months reserves. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has worked in the same position for more than XXXX years.<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX%<br>Documentation Type: XXXXmo Bank Statement<br> Disposable Income: $XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-06-25): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to available reserves of XXXX being less than guideline requirement of XXXX . resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (2025-06-25): System cleared with Compensating Factors from Lender Exception. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to available reserves of XXXX being less than guideline requirement of XXXX . |  |  |  | Reviewer Comment (2025-06-25): System cleared with Compensating Factors from Lender Exception. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115580 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a XXXX time home buyer and ineligible per guidelines. |  | A XXXX time homebuyer is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Revolving credit usage XXXX%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender exception with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX did not disclose why the loan will not have an escrow account. |  |  |  | Reviewer Comment (2025-06-24): XXXX received PCCD and LOE<br>Seller Comment (2025-06-23): Please see attached. | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for non-warrantable condo. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>DTI: XXXX% <br> Guideline Maximum DTI: XXXX% | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-06-24): Client elects to waive.<br>Seller Comment (2025-06-23): (Rate Lock) Lender accepts the EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the property being an XXXX with an XXXX and the appraiser was unable to provide a reliable 1007 as it is not common in the market to rent the main unit and XXXX seperately. | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Reserves: XXXX<br> Guideline Requirement: XXXX | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-19): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-07-02): Received doc in trailing docs.<br>Seller Comment (2025-06-30): (Rate Lock) Full HUD provided<br>Reviewer Comment (2025-06-27): HUD provided is missing some pages. Please provide all the pages of the HUD.<br>Seller Comment (2025-06-25): (Rate Lock) HUD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Rate/Term | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX |  | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | - Borrower has XXXX Open Tradelines which is less than the minimum required by guidelines. | Lender approved an exception for borrower having XXXX tradeline of their own reporting for XXXX months. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has owned the subject property for at least XXXXyears.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-25): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for borrower being a XXXX st time homeowner and investor. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | Borrower has owned the subject property for at least XXXXyears.<br>Reserves: XXXX<br> Guideline Requirement: XXXX<br>Combined Loan to Value: XXXX%<br> Guideline Maximum Combined Loan to Value: XXXX%<br>Loan to Value: XXXX%<br> Guideline Maximum Loan to Value: XXXX%<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-25): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115594 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Requesting to allow DSCR .XXXX . | The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Miscellaneous<br>Borrower's Experience/Track Record | Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Housing payment history is XXXX or better<br>Borrower's Experience/Track Record. The borrower has: XXXX Years of Experience. Currently holds XXXX Properties and has Completed XXXXProperties. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-23): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject XXXX) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) XXXX. | Lender exception approved for DSCR of XXXX less than guideline minimum of XXXX . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>Borrower's Experience/Track Record | Reserves: XXXX<br> Guideline Requirement: XXXX<br>Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br>Borrower's Experience/Track Record. The borrower has: XXXX Years of Experience with housing history of XXXXor better. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-25): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Purchase | B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-06-23): E-Sign Consent Agreement received and associated. Exception cleared.<br>Seller Comment (2025-06-23): Please see attached - the e-consent was in the credit package, can be found on pg XXXX .<br>Reviewer Comment (2025-06-20): E-sign Consent Agreement required as the Loan estimate dated XXXX is e-signed. Exception remains.<br>Seller Comment (2025-06-19): E-consent is not required since borrower wet-signed the initial disclosures. <br> Attached is a copy of the signed initial LE. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | XXXX HPML XXXX Non Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of v% or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-20): Appraisal report and receipt of appraisal received .Exception cleared<br>Seller Comment (2025-06-19): Proof of delivery dated XXXX submitted. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-20): Appraisal report and receipt of appraisal received .Exception cleared<br>Seller Comment (2025-06-19): See attached copy of original appraisal and proof of delivery on XXXX which is way before the closing date of XXXX . Appraisal was revised on XXXX only to include the condo project information.<br>Seller Comment (2025-06-19): See attached copy of original appraisal and proof of delivery on XXXX which is way before the closing date of XXXX Appraisal was revised on XXXX only to include the condo project information. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): Borrower waived right to receive a copy of the appraisal at least XXXX XXXX business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal at least XXXX business days to closing. |  |  |  | Reviewer Comment (2025-06-20): Appraisal report and receipt of appraisal received .Exception cleared<br>Seller Comment (2025-06-19): Proof of delivery on XXXX submitted. | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): Creditor did not provide a copy of revised valuation to applicant XXXX XXXX business days prior to consummation. | Revised appraisal is not receipt to borrower prior to XXXX business days |  |  |  | Reviewer Comment (2025-06-25): Waived at client's request.<br>Seller Comment (2025-06-24): The appraisal was delivered to the borrower way before XXXX days prior to closing. The original appraisal is dated XXXX , delivered to borrower on XXXX . The project information was missing on the report and a revision was made just to add the project name and this was done XXXX , and the revised was sent to the borrower on XXXX . Honestly, this is never an issue with other investors. We go by the delivery of the original appraisal report.<br>Reviewer Comment (2025-06-24): Proof of delivery provided in trailing documents is for Appraisal with report date of XXXX . Final Appraisal with report date of XXXX was not received by the borrower XXXX business days prior to closing. Appraisal was delivered XXXX closing date is XXXX . XXXX is a XXXX which puts the XXXX business days atXXXX<br>Seller Comment (2025-06-23): Please see attached proof of delivery. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115623 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | XXXX Calculation Worksheet is missing in file |  |  |  | Reviewer Comment (2025-06-18): Received Updated DSCR calculation worksheet matching the DSCR ratio. Exception cleared.<br>Buyer Comment (2025-06-16): updated DSCR calculator<br>Reviewer Comment (2025-06-13): Received DSCR calculation however Incorrect PITIA used for calculation, Correct PITIA is $XXXX whereas Lender used $XXXX . Exception Remains<br>Buyer Comment (2025-06-12): DSCR calculator | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXXX |  | A CDA is required and was not provided. XXXX |  |  |  | Reviewer Comment (2025-06-04): Received Primary appraiser addressing Market value correctly updated based on Comps and value trends are stable. Exception Cleared<br>Buyer Comment (2025-06-03): Appraisal<br>Reviewer Comment (2025-05-22): CDA is already provided which noted Market value is XXXX, Require Primary appraiser to address XXXX statement noted in CDA. Exception remains<br>Buyer Comment (2025-05-21): CDA<br>Reviewer Comment (2025-05-15): Received same CDA with market value declining, Require Primary appraiser to address the Declining statement reported in CDA. Exception Remains<br>Buyer Comment (2025-05-15): CDA<br>Reviewer Comment (2025-05-14): Received CDA with market value declining, Require Primary appraiser to address the Declining statement reported in CDA. Exception Remains<br>Buyer Comment (2025-05-13): CDA | XXXX | XXXX | XXXX | 1 D A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  |  |  | Reviewer Comment (2025-05-14): Received Certificate of Good standing for subject borrower. Exception Cleared<br>Buyer Comment (2025-05-13): cogs | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) is missing in file. |  |  |  | Reviewer Comment (2025-05-14): Received Lender LOX confirming EIN, Guideline does not specified the EIN requirement. Exception Cleared<br>Buyer Comment (2025-05-13): EIN | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-06-04): Received Signed Operating agreement. Exception Cleared<br>Buyer Comment (2025-06-03): signed OperatingAgreement<br>Reviewer Comment (2025-05-14): Received Operating agreement however it is not signed. Require signed copy. Exception Remains<br>Buyer Comment (2025-05-13): unsigned operating agreement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX |  | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. |  | Guides require all members to sign all documents the same as primary borrower. XXXX is listed on the Articles of Organization as a Member and did not sign on the loan. Subject to review of the operating agreement for confirmation. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-11): Investor exception provided.<br>Buyer Comment (2025-06-10): Loan will be moving to XXXX .<br>Buyer Comment (2025-06-10): Exception from XXXX XXXX.<br>Reviewer Comment (2025-05-23): LOE noted Subject review of the operating agreement for confirmation, however Per Operating agreement subject Business entity is Owned by XXXX Member XXXX and XXXX XXXX % each, however XXXX does not signed the require documents per guideline XXXX (under LLC, partnership, Corporation Section). Additionally provide Signed Operating agreement. Exception Remains<br>Buyer Comment (2025-05-21): UW LOX<br>Reviewer Comment (2025-05-15): LOE noted Subject review of the operating agreement for confirmation, however Per Operating agreement subject Business entity is Owned by XXXX MemberXXXX XXXX % each, however XXXX does not signed the require documents per guideline XXXX (under LLC, partnership, Corporation Section). Exception Remains<br>Buyer Comment (2025-05-15): LOE<br>Reviewer Comment (2025-05-14): Per Operating agreement subject Business entity is Owned by XXXX Member XXXX XXXX % each, however XXXX does not signed the require documents per guideline XXXX (under LLC, partnership, Corporation Section). Exception Remains<br>Buyer Comment (2025-05-13): see operating agreement | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Investment | Refinance - Cash-out - Other | D B C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Report in file disclosed $XXXX of title insurance coverage; however this is less than the loan amount of $XXXX . Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount $XXXX . |  |  |  | Reviewer Comment (2025-05-09): Received updated title policy covering the loan amount. Exception Cleared<br>Buyer Comment (2025-05-08): updated title policy | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Credit | A summary review of all the documentation in the loan file casts doubt on the business purpose of the loan. |  | As per Security Instrument, borrower is in name of "XXXX ", however as per Note, Title report, 1004, CDA, Hazard Insurance, 1008, Approval document borrower is individual "XXXX" and executed all the document as individual. If borrower is individual, provide corrected security instrument reflecting borrower as individual or if borrower is LLC, borrower should execute all documents as XXXX and provide all LLC documents, if required. |  |  |  | Reviewer Comment (2025-06-05): Deed provided. Cleared.<br>Buyer Comment (2025-06-04): Security Deed<br>Buyer Comment (2025-06-04): disclosures continuation<br>Buyer Comment (2025-06-04): closing disclosure<br>Buyer Comment (2025-06-04): 1003<br>Buyer Comment (2025-06-04): Note<br>Buyer Comment (2025-06-04): disclosures<br>Buyer Comment (2025-06-03): Here is the updated Note and PPP Addendum. We will upload the rest of the documents as soon as possible.<br>Reviewer Comment (2025-05-27): Received EIN, Articles and Certificate of Good standing for Business XXXX , however exception is for Vesting confirmation. Note signed by Individually whereas Security instrument shows Borrower as XXXX . If Vesting manner is XXXX there note and prepayment addendum must be signed as member on behalf of the Business entity. And Require document must shows borrower as Business entity (if applicable). Exception Remains<br>Buyer Comment (2025-05-23): EIN and cog | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Credit | A credit report was not pulled for all members of the borrowing entity as required by guidelines. |  | Provide updated mortgage histories of the XXXX property & XXXX residence for the following mortgage loans reflecting on credit report for XXXX & XXXX . Missing evidence of XXXX and XXXX XXXX payments. Payment history must reflect XXXX in the most recent XXXX months including the month prior to closing. |  |  |  | Reviewer Comment (2025-05-09): Received Credit supplement verify payment for mortgage Account # XXXX and XXXX till XXXX . Exception Cleared<br>Buyer Comment (2025-05-07): credit supplement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The loan file should include a Loan Approval indicating the loan is XXXX as per guidelines. |  |  |  | Reviewer Comment (2025-05-09): Received 1008 With DSCR Ratio indication loan is DSCR. Exception Cleared<br>Buyer Comment (2025-05-07): DSCR | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | XXXX Calculation Worksheet detailing the XXXX calculation is required and was not provided. |  |  |  | Reviewer Comment (2025-05-09): Received 1008 DSCR Calculation. Exception Cleared<br>Buyer Comment (2025-05-07): 1008 with DSCR calc | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | For XXXX , a current lease must be supported with XXXX most recent bank statements showing consecutive rental payments. A lender exception was submitted to waive the requirement of the XXXX most recent bank statements showing consecutive rental payments. The approval for this exception was not provided. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-08): Lender exception provided.<br>Buyer Comment (2025-05-07): credit refresh<br>Buyer Comment (2025-05-06): investor exception approval | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Provided HOI premium $XXXX is mismatch with Final 1003, FPL, Initial escrow statement & final CD of $XXXX . Required updated HOI with correct premium amount. |  |  |  | Reviewer Comment (2025-05-23): Received Updated CD and Updated 1003 with change in insurance amount to $XXXX. Exception Cleared<br>Buyer Comment (2025-05-22): Updated insurance | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file for XXXX. |  |  |  | Reviewer Comment (2025-06-23): Not required for corporations. Ownership provided.<br>Buyer Comment (2025-06-20): per lender : I think the reviewer is confusing a Corporation with an XXXX in asking for an Operating Agreement. An Operating Agreement is a document normally associated with an XXXX . For a Corporation, it would be the Bylaws. Due to it being a Corporation, the ownership is going to show a little differently than an XXXX but when I look at this file it seems like we have already provided documents to support the ownership. The Articles of Incorporation and the Letter of Good Standing show XXXX as the Director, President and Treasurer along with XXXX as the Secretary. We have the Incorporator's Cert showing "all rights, responsibilities and duties ofXXXX. to the above named Director" which isXXXX. We also have the Bylaws showing that there is only XXXX Director and XXXX President and that they have full control of the Corporation.<br>Buyer Comment (2025-06-20): per lender : I think the reviewer is confusing a Corporation with an XXXX in asking for an Operating Agreement. An Operating Agreement is a document normally associated with an XXXX. For a Corporation, it would be the Bylaws. Due to it being a Corporation, the ownership is going to show a little differently than an XXXX but when I look at this file it seems like we have already provided documents to support the ownership. The Articles of Incorporation and the Letter of Good Standing show XXXX as the Director, President and Treasurer along with XXXX as the Secretary. We have the Incorporator's Cert showing "all rights, responsibilities and duties of XXXX. to the above named Director" which isXXXX. We also have the Bylaws showing that there is only XXXX Director and XXXX President and that they have full control of the Corporation.<br>Buyer Comment (2025-06-20): per lender : I think the reviewer is confusing a Corporation with an XXXX in asking for an Operating Agreement. An Operating Agreement is a document normally associated with an XXXX . For a Corporation, it would be the Bylaws. Due to it being a Corporation, the ownership is going to show a little differently than an XXXX but when I look at this file it seems like we have already provided documents to support the ownership. The Articles of Incorporation and the Letter of Good Standing show XXXX as the Director, President and Treasurer along withXXXX as the Secretary. We have the Incorporator's Cert showing "all rights, responsibilities and duties ofXXXX. to the above named Director" which isXXXX. We also have the Bylaws showing that there is only XXXX Director and XXXX President and that they have full control of the Corporation.<br>Buyer Comment (2025-06-20): per lender : I think the reviewer is confusing a Corporation with an XXXX in asking for an Operating Agreement. An Operating Agreement is a document normally associated with an XXXX. For a Corporation, it would be the XXXX. Due to it being a Corporation, the ownership is going to show a little differently than an XXXX but when I look at this file it seems like we have already provided documents to support the ownership. The Articles of Incorporation and the Letter of Good Standing showXXXX as the Director, President and Treasurer along withXXXX as the Secretary. We have the Incorporator's Cert showing "all rights, responsibilities and duties of XXXX. to the above named Director" which is XXXX. We also have the Bylaws showing that there is only XXXX Director and XXXX President and that they have full control of the Corporation.<br>Reviewer Comment (2025-06-04): Minutes of first meeting of board of directors of XXXX reflect President, Secretary and Treasurer require supporting documentation to verify percentage of ownership from these members. exception remains.<br>Buyer Comment (2025-06-03): Lender's response: Signed copy of the Waiver of Notice of First Meeting of Shareholders of [XXXX. This states that XXXX is the sole shareholder of XXXX<br>Reviewer Comment (2025-05-23): Received Company by laws however it does not have guarantor Ownership% nor the name of the guarantor .Require Company resolution or supporting document Both Guarantor owned the business as available Company Resolution is unsinged and Borrower LOX does not suffice the requirement . Exception Remains<br>Buyer Comment (2025-05-22): Company bylaws | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | XXXX Calculation Worksheet is missing in file, required XXXX calculation with updated HOI premium for XXXX calculation. Provided Lender DSCR score is XXXX as per 1008 however calculated XXXX ratio is XXXX . |  |  |  | Reviewer Comment (2025-05-30): Received 1008 with DSCR calculation. Exception Cleared.<br>Buyer Comment (2025-05-29): updated 1008 with calc<br>Reviewer Comment (2025-05-23): Provided Cover letter & 1008 only noted DSCR Ratio. however Require DSCR Calculation. Exception Remains<br>Buyer Comment (2025-05-22): DSCR Calculation on cover sheet | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Required most recent XXXX (XXXX) months bank statements for XXXX #XXXX . |  |  |  | Reviewer Comment (2025-05-23): Received XXXX months XXXX . Bank statement Exception Cleared<br>Buyer Comment (2025-05-22): Asset statement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | As per operating agreement XXXX owns XXXX % of ownership, however all documents are missing in file for XXXX . As per guide, each member is subject to the same underwriting requirements as an individual borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. | XXXX vs XXXX | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Investor accepts and agrees to waive to waive with compensating factors,.<br>Buyer Comment (2025-06-03): Exception from XXXX . | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Occupancy Certification does not show primary residence address and has not been completed to show subject is an XXXX . |  |  |  | Reviewer Comment (2025-05-30): Received Occupancy certificate with Borrower initial at investment property. Exception Cleared<br>Buyer Comment (2025-05-29): See attached occupancy cert. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing DSCR calculation worksheet. |  |  |  | Reviewer Comment (2025-06-02): Received DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-05-30): DSCR Worksheet | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Purchase | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent form is missing and is required |  |  |  | Reviewer Comment (2025-06-04): Received Spousal Consent Form. Exception Cleared<br>Buyer Comment (2025-06-03): See attached signed spousal consent form. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing XXXX calculation worksheet. |  |  |  | Reviewer Comment (2025-06-03): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-05-30): DSCR worksheet | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: XXXX Report not provided |  | XXXX Report for the borrower is missing in file. |  |  |  | Reviewer Comment (2025-05-30): Received Fraud Report Exception Cleared<br>Buyer Comment (2025-05-28): fraud report | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Credit | Missing Document: XXXX not provided |  | XXXX report is missing in file. |  |  |  | Reviewer Comment (2025-06-02): Received Fraud Report with OFAC Status pass. Exception Cleared<br>Buyer Comment (2025-05-30): see fraud report and credit report | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Verification of Mortgage is required for Mortgage with XXXX bank #XXXX for XXXX XXXX for the property "XXXX ". XXXX Residence XXXX - Free and Clear-no verification |  |  |  | Reviewer Comment (2025-06-23): Received Credit supplement confirmed XXXX # XXXXpayment till XXXX . Exception cleared<br>Buyer Comment (2025-06-20): XXXX<br>Reviewer Comment (2025-06-04): Loan reviewed with XXXX XXXXGuideline which require Verification Mortgage on credit report Prior to month closing. Additionally DLA shows XXXX for XXXX# XXXXwhich is more than XXXX days then closing date. Per Fraud Report Primary Property XXXXXXXX Free and Clear. Exception Remains<br>Buyer Comment (2025-06-03): HOI showing property free & clear<br>Buyer Comment (2025-06-03): LOE | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Title Preliminary / Commitment report is missing in file. |  |  |  | Reviewer Comment (2025-05-30): Received Subject transaction title Commitment report. Exception Cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Guideline | General | Guideline | XXXX does not meet guideline requirements. |  | As per guide, A letter of explanation is required to detail relevant real estate experience. |  |  |  | Reviewer Comment (2025-05-30): Received LOX detail relevant real estate experience. Exception Cleared<br>Buyer Comment (2025-05-28): LOX | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | As per guide, For XXXX , a current lease must be supported with XXXX most recent bank statements showing consecutive rental payments. Lease agreement is provided, Property management statement is also available however recent XXXX months bank statement is required that reflects the net rental deposit after property management expenses deduction. |  |  |  | Reviewer Comment (2025-06-13): Received Borrower's Business Bank statement noted higher deposit and lender use lower amount for DSCR calculation. Exception Cleared. Used $XXXX as Actual lease instead of $XXXX. Exception Cleared<br>Buyer Comment (2025-06-11): Here is the explanation directly from the lender. I'm not sure I've ever seen this explanation before. "It was lowered due to the pet fee being removed, I believe, as the pet got ran over. We Use the lower of the two to calculate the DSCR, management fees are backed out"<br>Reviewer Comment (2025-06-04): Received Borrower Business Bank statement shows Deposit from Property management Agent (more than rental amount), however Per Cash summary Report (Doc ID XXXX) Tenant is paying $XXXX whereas Lease agreement noted $XXXX(XXXX page of lease). No explanation for lower lease collection. Exception Remains<br>Buyer Comment (2025-06-03): Bank statements XXXX<br>Buyer Comment (2025-06-03): bank statements<br>Reviewer Comment (2025-05-30): Received lease agreement and property management Summary receipt confirmed receipt of Monthly rent of $XXXX where as Lease agreement noted $XXXX. Additionally require Borrower Bank statement which shows Rent income from subject property deposited. Exception Remains<br>Buyer Comment (2025-05-28): lease agreement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Missing initial or final title. |  |  |  | Reviewer Comment (2025-05-30): Received Title commitment report. exception Cleared<br>Buyer Comment (2025-05-28): prelim | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115617 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Required XXXX Calculation Worksheet detailing the XXXX calculation not found at time of review. |  |  |  | Reviewer Comment (2025-05-29): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-05-27): XXXX CALC | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115617 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Letter of explanation is required to detail relevant real estate experience. |  |  |  | Reviewer Comment (2025-05-29): Received letter of explanation with detail relevant real estate experience. Exception Cleared<br>Buyer Comment (2025-05-27): LOX | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Purchase | D A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing in file for XXXX |  |  |  | Reviewer Comment (2025-06-03): Received Articles of Organization/Formation forXXXX Exception Cleared<br>Buyer Comment (2025-06-02): Articles of Org | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file forXXXX |  |  |  | Reviewer Comment (2025-06-03): Received Certificate of Good standing. Exception Cleared<br>Buyer Comment (2025-06-02): COGS | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file for XXXX |  |  |  | Reviewer Comment (2025-06-03): Received Operating agreement forXXXX. Exception Cleared<br>Buyer Comment (2025-06-02): Operating agreement | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | XXXX Calculation Worksheet is missing in file. |  |  |  | Reviewer Comment (2025-06-04): Provided.<br>Buyer Comment (2025-06-03): DSCR worksheet | XXXX | XXXX | XXXX | 1 C A D | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing CPA Letter of Cashflow analysis for XXXX bank statement #XXXX , to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-17): CPA letter provided.<br>Buyer Comment (2025-06-13): CPA Letter | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Real Estate Certification is missing. |  | Letter of explanation is required to detail relevant real estate experience. |  |  |  | Reviewer Comment (2025-06-04): Provided<br>Buyer Comment (2025-06-03): LOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Cancelled Check(s) not provided |  | Lender Exception in file to utilize private VOM and payoff in lieu of cancelled checks and extension of the Note (Original Note had a due date of XXXX). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. | XXXX vs XXXX | SitusAMC,Aggregator | Reviewer Comment (2025-06-04): Investor accept and agrees to waive with compensating factors.<br>Buyer Comment (2025-06-04): investor exception approval and e-mail with approval for DSCR change | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Investment | Refinance - Cash-out - Other | D B A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | As per guide, require XXXX - month housing history for XXXX Residence XXXX . XXXX to further review once application provided confirming XXXX residence. |  |  |  | Reviewer Comment (2025-06-19): Received Rent Free LOX from borrower confirmed living rent free. Exception Cleared<br>Buyer Comment (2025-06-18): uploaded LOE confirming borrower lives rent free and updated application signed, changing app from 'own' to rent.<br>Reviewer Comment (2025-06-17): Noted Email confirmation from borrower statingXXXX is his father and sole owner of "XXXX" but not mentioned if he is living rent free required updated LOE / Email confirmation stating borrower is living rent free on this current residence. exception remains.<br>Reviewer Comment (2025-06-17): The LOX provided does not say the borrower is living rent free. Provide a rent-free letter from the homeowner or landlord, stating that the borrower resides at the property without paying rent.<br>Buyer Comment (2025-06-12): Lender's response: rent free lox was included in the vom pdf uploaded prior<br>Reviewer Comment (2025-06-10): Received LOX from Guarantor confirm property XXXX owned by his father, however it does not confirm living rent free as per Credit application it is Showing property owned by Guarantor XXXX . Exception Remains<br>Buyer Comment (2025-06-09): LOX<br>Buyer Comment (2025-06-09): Lender's response: we are using the guideline of 'borrowers who have lived in a rent-free situation are eligible if borrower is an experienced RE investor with a min. XXXX months of ownership & management of income producing residential or commercial RE within the past XXXX months. Borrower does live rent free but has owned and manage real estate since XXXX , attached property transaction report and LOE that he lives rent free. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Third-party XXXX report is required for the entity XXXX limited liability company as per guide. |  |  |  | Reviewer Comment (2025-06-10): Received Fraud report for XXXX. Exception Cleared<br>Buyer Comment (2025-06-09): Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Refinance - Cash-out - Other | C A |  | XXXX | No |
| XXXX | XXXX | XXXX | 4350115621 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-05): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115620 | XXXX | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made "subject to" however Final Inspection / 442 is missing, it is required as the appraisal made subject to installation of smoke alarms/CO detectors, Additionally we observed unfinished laundry, unfinished utility, unfinished basement in appraisal images. |  |  |  | Reviewer Comment (2025-06-18): Cleared. The unfinished areas are sufficient and standard.<br>Reviewer Comment (2025-06-18): Received clarification about unfinished areas reflecting on images. However we need to make sure that all utilities and areas in the property to be completed and finished. Neither there are any comments that reflects that value was considered based on unfinished utilities, laundry and basement. Exception remains.<br>Buyer Comment (2025-06-16): Please take a look at the appraisal and advise why this is a requirement. The appraiser only required installation of the smoke and co detectors. The photos provided were to show they were missing from these areas. It looks like based on the appraisers comments these areas are unfinished below grade areas and it looks like the appraiser made the correct adjustments for the unfinished area. Once again the appraiser did not require evidence of completion of these areas.<br>Reviewer Comment (2025-06-11): Received XXXX/Final inspection however unfinished laundry, unfinished utility, unfinished basement Completion evidence is missing only provided photos of installation of smoke Alarms/CO Detectors. Exception Remains<br>Buyer Comment (2025-06-09): appraisal update | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-13): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX exceeds Guideline loan to value percentage of XXXX. | Lender Qualifying LTV is XXXX % as per 1008 however, actual LTV as XXXX %. Guides do not defer to XXXX for rounding. |  |  |  | Reviewer Comment (2025-06-09): Principal reduction provided post closing, LTV/CLTV in line prior to delivery at XXXX%<br>Buyer Comment (2025-06-05): Per Lender: Loan history showing principal reduction and updated loan amount with LTV below XXXX.<br>Buyer Comment (2025-06-05): Loan History<br>Reviewer Comment (2025-05-28): Revised CD reflects principal reduction of $XXXX; however, a check in file was made to the borrower not to the loan balance. Provide evidence loan balance was lowered with the reduction.<br>Buyer Comment (2025-05-23): 1003<br>Buyer Comment (2025-05-23): CD<br>Buyer Comment (2025-05-23): 1008 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX exceeds Guideline combined loan to value percentage of XXXX. | Lender Qualifying CLTV is XXXX % as per 1008 however, actual CLTV as XXXX %. Guides do not defer to XXXX for rounding. |  |  |  | Reviewer Comment (2025-06-09): Principal reduction provided post closing, LTV/CLTV in line prior to delivery at XXXX%<br>Buyer Comment (2025-06-05): Per Lender: Loan history showing principal reduction and updated loan amount with LTV below XXXX.<br>Buyer Comment (2025-06-05): See LTV exception for condition upload<br>Reviewer Comment (2025-05-28): Revised CD reflects principal reduction of $XXXX ; however, a check in file was made to the borrower not to the loan balance. Provide evidence loan balance was lowered with the reduction.<br>Buyer Comment (2025-05-23): cd<br>Buyer Comment (2025-05-23): 1003<br>Buyer Comment (2025-05-23): 1008 | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Lender Exception in file for XXXX months reserves. | The qualifying DTI on the loan is at least XXXX% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX. | XXXXvs XXXX | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-13): Exception provided.<br>Buyer Comment (2025-06-12): investor exception approval<br>Reviewer Comment (2025-06-12): Please provide the exception.<br>Reviewer Comment (2025-05-14): Lender approved to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | For Subject property City Name is reflecting as XXXX in Title document, 1004, CDA, and Flood Certificate. Please provide updated documents with City Name updated as XXXX as per Note, Security document, and Closing Disclosure. |  |  |  | Reviewer Comment (2025-06-06): Received Updated Note, Security instrument Noted Re-Recorded, and PUD rider with change in City name to XXXX, Exception Cleared<br>Buyer Comment (2025-06-05): Note, Deed, Riders | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | New exception as result of documentation provide. Updated Note, Security instrument Noted Re-Recorded, and PUD rider with change in City name to XXXX , however HOI noted City name XXXX . updated HOI require. |  |  |  | Reviewer Comment (2025-06-11): Received HOI with updated address and City name matching with Note. exception cleared.<br>Buyer Comment (2025-06-10): HOI | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business funds can be used for down payment and cash reserves if the borrower(s) own XXXX % of the business and requires a letter from the accountant of the business or an underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business Acc #XXXX . |  |  |  | Reviewer Comment (2025-06-06): Received CPA letter confirm using business funds will not have negative impact on business. Exception Cleared<br>Buyer Comment (2025-06-04): CPA Letter<br>Reviewer Comment (2025-05-23): Provided CPA letter Does not confirm using business funds will not have Negative impact. Exception Remains<br>Buyer Comment (2025-05-21): CPA letter | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID XXXX Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for XXXX Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for adding the Second Appraisal Fee. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-30): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-27): Please re-check XXXXTracking #XXXX- package now en route to borrower<br>Reviewer Comment (2025-06-23): XXXX received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the XXXX tracking does not reflect the package has been picked up yet. Upon proof of carrier pickup can finalize cure.<br>Buyer Comment (2025-06-23): PCCD, LOE, refund check and shipping label<br>Reviewer Comment (2025-06-09): XXXX received COC dated XXXX/XXXXhowever the fee added on CD datedXXXX for $XXXX. Kindly provide a valid COC for the fee added on CD dated XXXX or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-06-06): COC<br>Reviewer Comment (2025-05-22): XXXX received Changed Circumstance datedXXXX, but it does not give sufficient information on why the Second Appraisal fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-05-21): COC | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require evidence of monthly payment of $XXXX for XXXX lien, provided XXXX agreement & statements do not verify monthly payment amount. |  |  |  | Reviewer Comment (2025-05-22): Received HELOC agreement and lender calculation for HELOC payment. Exception Cleared<br>Buyer Comment (2025-05-21): Per Lender Please find attached LOX and agreement. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard Insurance Policy Effective Date XXXX; and Note Date: XXXX. Require Hazard Insurance Policy effective at the time of closing/disbursement. |  |  |  | Reviewer Comment (2025-05-22): Received updated PCCD with change in Disbursement date of XXXX. exception Cleared<br>Buyer Comment (2025-05-21): Per Lender- This loan didn't fund until XXXX and it is a XXXX loan. The hazard should be correct as is effective the day of funding. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than XXXX years, and prior employment history was not documented as required. |  | Borrower has been on current job less than XXXX years (A XXXX-year history of receipt is required), and prior employment history was not documented as required. We only have W2 on file for previous employment history this does not provide start and end date of employment. | Borrower has been employed in the same industry for more than XXXX years.<br>Borrower has verified disposable income of at least $XXXX.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of XXXX months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-04): Investor exception.<br>Reviewer Comment (2025-05-28): Investor exception provided.<br>Buyer Comment (2025-05-28): updated email investor approval and exception approval form<br>Buyer Comment (2025-05-27): investor exception approval | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | The Permanent resident card was missing from the file confirming borrower's citizenship status. |  |  |  | Reviewer Comment (2025-05-23): Received Valid PRA Card for Borrower. Exception Cleared<br>Buyer Comment (2025-05-21): green card | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of XXXX Citizen Status not provided |  | Duplicate exception, please override. |  |  |  | Reviewer Comment (2025-05-23): Received Valid PRA Card for Borrower. Exception Cleared<br>Buyer Comment (2025-05-21): attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID XXXX Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-12): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XX | Primary | Purchase | Final CD evidences Cure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Final Closing Disclosure page XXXX is missing, used Initial CD page XXXX information for testing. Require complete Final CD copies. |  |  |  | Reviewer Comment (2025-05-16): XXXX received complete final CD.<br>Buyer Comment (2025-05-15): Final Closing Disclosure, all pages. Pages were not scanned correctly. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Finance Charge disclosed is $XXXX . Calculated finance charge is $XXXX . Variance of $XXXX . TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  |  |  | Reviewer Comment (2025-06-06): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-06-05): Please re-review - XXXXhas package, delivery ETA XXXX<br>Reviewer Comment (2025-06-04): Package has not yet been picked up. Cure not possible until package has actually been picked up by courier.<br>Buyer Comment (2025-06-03): LOE, PCCD, refund check and shipping label<br>Reviewer Comment (2025-05-16): Finance charge remains under disclosed in the amount of $XXXX . Cure requires PCCD, LOE, Copy of Refund Check, and proof of mailing.<br>Buyer Comment (2025-05-15): Please see uploaded final CD, rescanned with all pages | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Finance Charge disclosed is $XXXX . Calculated finance charge is $XXXX . Variance of $-XXXX . TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  |  |  | Reviewer Comment (2025-06-06): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-06-05): Please re-review - XXXX has package, delivery ETA XXXX<br>Reviewer Comment (2025-06-04): Package has not yet been picked up. Cure not possible until package has actually been picked up by courier.<br>Buyer Comment (2025-06-03): Please see uploaded cure documentation<br>Reviewer Comment (2025-05-16): Finance charge remains under disclosed in the amount of $XXXX. Cure requires PCCD, LOE, Copy of Refund Check, and proof of mailing.<br>Reviewer Comment (2025-05-16): Finance charge remains under disclosed in the amount of $XXXX . Cure requires PCCD, LOE, Copy of Refund Check, and proof of mailing.<br>Buyer Comment (2025-05-15): Please see uploaded final CD, rescanned with all pages | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page XXXX . | Final Closing Disclosure page XXXX is missing, used Initial CD page XXXX information for testing. Require complete Final CD copies. |  |  |  | Reviewer Comment (2025-05-16): XXXX received complete closing CD.<br>Buyer Comment (2025-05-15): Please see uploaded final CD, rescanned with all pages | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115610 | XXXX | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing for XXXX. |  |  |  | Reviewer Comment (2025-05-20): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-05-19): XXXX fraud report | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115610 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing: A business narrative is required from the borrower to describe the type of business and number of employees. |  |  |  | Reviewer Comment (2025-05-20): Received business narrative from the borrower with the type of business and number of employees. Exception Cleared<br>Buyer Comment (2025-05-19): Business narrative | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115618 | XXXX | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Required CPA Letter/Cashflow Analysis to confirm that the withdrawal will not negatively impact the business. |  |  |  | Reviewer Comment (2025-06-06): Cash flow analysis and CPA letter provided. Cleared.<br>Reviewer Comment (2025-06-05): UW worksheet uploaded on XXXX reflects the total deposit and Withdrawals. As per guide A signed letter from the CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal will not negatively impact the business. Exception remains.<br>Buyer Comment (2025-06-04): Per lender : CPA Letter in file verifying XXXX% Ownership and UW Cash-flow analysis liquidity test uploaded on XXXX in file.<br>Reviewer Comment (2025-05-28): Provided CPA letter does not confirm using business fund for subject transaction will not have negative impact on business. Exception Remains<br>Buyer Comment (2025-05-23): CPA & LOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Investment | Purchase | C A B | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115618 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant XXXX XXXX business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. |  |  |  | Reviewer Comment (2025-05-27): Appraisal Delivery Received. Exception Cleared<br>Buyer Comment (2025-05-23): Acknowledgment of Receipt tracking | XXXX | XXXX | XXXX | 1 B A | XXXX | XX | Investment | Purchase | C A B | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - XXXX | Require CPA letter as the borrower's business ownership percentage must be at least XXXX %. The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. |  |  |  | Reviewer Comment (2025-06-03): The fixed expense ratio of XXXX% was used. Cleared.<br>Buyer Comment (2025-05-30): CPA | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX |  | Compliance | Compliance | State Compliance | State HPML | XXXX HPML Threshold Test Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX % Compliant Higher Priced Loan. | APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX % Compliant Higher Priced Loan. |  |  |  | Buyer Comment (2025-06-20): Lender acknowledged non material EV2<br>Reviewer Comment (2025-06-20): TOP issue being addressed in other exception. This exception is an EV2 informational Sating loan is Compliant Higher Priced and may be waived.<br>Buyer Comment (2025-06-18): Cure docs uploaded to TOP exception. Loan is non Non QM and compliant, please clear | XXXX | XXXX | XXXX | 2 B | XXXX | XX | Primary | Refinance - Cash-out - Other | No obvious cure C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page XXXX that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold. | Disclosure reflects TOP of $XXXX but calculated TOP of $XXXX . Variance = -$XXXX |  |  |  | Reviewer Comment (2025-06-20): XXXX received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-06-19): XXXX received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copies of unexecuted RTC's. In order to finalize cure, must provide proof of actual delivery of the cure package containing the RTC's to begin the rescission process and should be delivered XXXX business days prior to the XXXX cancel by date. Provide delivery proof to finalize.<br>Buyer Comment (2025-06-18): LOE, PCCD, refund check, shipping label, NRTC | XXXX | XXXX | XXXX | 2 C B | XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | XXXX | XXXX | Yes |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2XXXX 014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-03): Cleared. XXXX% expense ratio was used. | XXXX | XXXX | XXXX | 1 C A | XXXX | XX | Primary | Refinance - Cash-out - Other | C B A | XXXX | XXXX | No |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-03): Cleared. XXXX% expense ratio was used. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | XXXX | XXXX | Yes |

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## Exhibit 99.4

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.4**

![](situs_logo.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 7/16/2025 1:26:27 PM** |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | XXXX | XXXX | 4350115216 | XXXX |  | D |  | A | D | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115217 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115218 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115219 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115220 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115221 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115222 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115224 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115227 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115228 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115229 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115230 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115231 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115232 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115233 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115234 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115235 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115236 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115239 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115240 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115241 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115242 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115243 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115245 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115246 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115247 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115248 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115249 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115250 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115251 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115252 | XXXX |  | A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115254 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115256 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115257 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115258 | XXXX |  | D |  | A | D | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115259 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115260 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115261 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115262 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115264 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115265 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115266 | XXXX |  | A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115267 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115268 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115269 | XXXX |  | D |  | A | D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115270 | XXXX |  | C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115271 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115272 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115273 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115274 | XXXX |  | C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115275 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115276 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115277 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115278 | XXXX |  | C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115279 | XXXX |  | C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115280 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115281 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115282 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115283 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115284 | XXXX |  | C | C | A | C | B | B | B | B |  |
| XXXX | XXXX | XXXX | 4350115285 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115286 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115287 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115288 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115289 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115292 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115293 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115294 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115295 | XXXX |  | C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115296 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115297 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115298 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115299 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115300 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115301 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115302 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115303 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115304 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115305 | XXXX |  | C | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115306 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115307 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115308 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115309 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115310 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115311 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115312 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115313 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115314 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115315 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115316 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115317 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115318 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115319 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115320 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115321 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115322 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115323 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115324 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115325 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115326 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115327 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115328 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115329 | XXXX |  | C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115330 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115331 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115332 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115333 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115334 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115335 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115336 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115338 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115339 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115340 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115341 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115342 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115343 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115344 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115345 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115346 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115347 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115348 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115349 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115350 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115351 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115352 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115353 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115354 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115355 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115356 | XXXX |  | D |  | A | D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115357 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115358 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115359 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115360 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115361 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115363 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115364 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115365 | XXXX |  | A |  | D | D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115366 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115367 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115368 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115369 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115370 | XXXX |  | C D |  | A | C D | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115371 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115374 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115375 | XXXX |  | A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115376 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115377 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115378 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115379 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115380 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115381 | XXXX |  | A | A | C | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115382 | XXXX |  | C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115383 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115384 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115385 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115387 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115388 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115389 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115390 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115391 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115392 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115393 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115394 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115395 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115396 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115397 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115398 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115399 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115400 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115401 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115402 | XXXX |  | D |  | A | D | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115403 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115404 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115405 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115406 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115407 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115408 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115409 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115410 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115411 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115412 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115413 | XXXX |  | A | B | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115414 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115415 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115416 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115417 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115418 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115419 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115420 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115421 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115422 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115423 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115424 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115425 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115426 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115427 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115428 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115429 | XXXX |  | C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115430 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115431 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115432 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115433 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115434 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115435 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115436 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115437 | XXXX |  | C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115438 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115439 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115440 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115441 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115442 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115443 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115444 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115445 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115446 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115447 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115448 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115449 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115450 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115451 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115452 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115453 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115454 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115455 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115456 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115458 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115459 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115460 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115461 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115462 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115463 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115464 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115465 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115466 | XXXX |  | C | B | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115467 | XXXX |  | A | A | C | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115468 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115469 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115470 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115471 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115472 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115473 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115474 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115475 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115477 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115478 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115479 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115480 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115481 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115482 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115483 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115484 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115485 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115486 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115487 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115488 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115489 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115490 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115491 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115492 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115493 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115494 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115495 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115496 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115497 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115498 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115500 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115501 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115502 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115503 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115505 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115506 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115507 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115508 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115509 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115510 | XXXX |  | C | B | B | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115511 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115512 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115513 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115514 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115515 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115516 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115517 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115518 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115519 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115520 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115521 | XXXX |  | C |  | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115522 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115523 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115524 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115525 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115526 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115527 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115528 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115530 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115531 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115532 | XXXX |  | B | B | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115533 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115534 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115535 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115536 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115537 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115538 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115539 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115540 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115541 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115542 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115543 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115544 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115545 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115546 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115547 | XXXX |  | B | B | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115548 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115549 | XXXX |  | C | B | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115550 | XXXX |  | C | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115551 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115552 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115553 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115554 | XXXX |  | B | C | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115555 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115556 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115557 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115558 | XXXX |  | A | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115559 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115560 | XXXX |  | C | C | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115561 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115562 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115564 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115565 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115566 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115567 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115568 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115571 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115572 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115573 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115574 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115575 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115576 | XXXX |  | B | A | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115577 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115578 | XXXX |  | B | C | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115579 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115580 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115581 | XXXX |  | A | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115582 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115583 | XXXX |  | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115584 | XXXX |  | A | B | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115585 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115586 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115587 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115588 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115589 | XXXX |  | C |  | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115590 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115591 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115592 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115593 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115594 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115595 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115596 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115597 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115599 | XXXX |  | B |  | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350115601 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115602 | XXXX |  | C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115603 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115604 | XXXX |  | A |  | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350115623 | XXXX |  | C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115614 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115625 | XXXX |  | C | A | D | D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115607 | XXXX |  | C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115619 | XXXX |  | C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115613 | XXXX |  | C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115611 | XXXX |  | C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115608 | XXXX |  | C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115617 | XXXX |  | C D | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115624 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115612 | XXXX |  | C D | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115622 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115621 | XXXX |  | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115620 | XXXX |  | A | A | C | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115606 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115605 | XXXX |  | C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115609 | XXXX |  | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350115616 | XXXX |  | C | C | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350115610 | XXXX |  | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115618 | XXXX |  | C | B | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350115615 | XXXX |  | C | C | A | C | A | B | A | B |  |

---

## Exhibit 99.5

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.5**

![](situs_logo.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 7/16/2025 1:33:14 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX | Amortization Term | XXXX | XXXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115401 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115431 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115604 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX | Borrower FTHB | XXXX |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115252 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115293 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115296 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115321 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115335 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115346 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115368 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115369 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115387 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115498 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115520 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115528 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115573 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115574 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115582 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115597 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115604 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115398 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115604 | XXXX | XXXX | Borrower SSN | XXXX |  | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX | City | XXXX | XXXX | Verified | Updated Note received correction Address |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350115620 | XXXX | XXXX | Decision System |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX | Decision System |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115621 | XXXX | XXXX | Decision System |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX | Decision System |  | XXXX | Verified | he Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | Decision System | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX | Decision System |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX | Decision System |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115610 | XXXX | XXXX | Decision System |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115618 | XXXX | XXXX | Decision System |  | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Doc Type | 1yr 1099 | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | Doc Type | 12mo Bank Statement | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115363 | XXXX | XXXX | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX | Doc Type | XXXX | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX | Doc Type | 1yr 1099 | 2yr 1099 | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | Doc Type | XXXX | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 2yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115430 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX | Doc Type | 1yr 1099 | 2yr 1099 | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 2yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Doc Type | XXXX | XXXX | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX | Doc Type | XXXX | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Doc Type | XXXX | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Doc Type | XXXX | 1yr P&L w/Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 2yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115603 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 2yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115231 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115250 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115252 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115259 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115264 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115269 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115273 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115275 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115276 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115283 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115286 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115287 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115296 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115298 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115299 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115304 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115307 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115310 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115322 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115324 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115325 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115328 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115330 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115332 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115334 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115335 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115339 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115341 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115345 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115346 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115347 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115359 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115363 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115364 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115365 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115367 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115368 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115369 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115378 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115381 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115383 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115387 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115395 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115398 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115399 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115401 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115403 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115404 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115414 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115421 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115422 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115423 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115430 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115431 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115438 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115441 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115442 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115445 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115446 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115448 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115449 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115451 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115453 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115461 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115462 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115470 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115474 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115477 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115478 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115483 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115495 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115501 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115502 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115503 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115507 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115516 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115519 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115520 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115522 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115528 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115531 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115534 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115537 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115542 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115552 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115564 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115565 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115568 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115571 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115573 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115574 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115577 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115580 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115582 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115585 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115590 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115591 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115595 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115601 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115604 | XXXX | XXXX | Escrow Account | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115500 | XXXX | XXXX | Escrow Account | XXXX | XXXX |  |  |
| XXXX | XXXX | XXXX | 4350115597 | XXXX | XXXX | Escrow Account | XXXX | XXXX |  |  |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115422 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115603 | XXXX | XXXX | Has FTHB | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | Interest Only Period |  | XXXX | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | XXXX |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI matches 1008 DTI. |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | XXXX |
| XXXX | XXXX | XXXX | 4350115298 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is lower than Tape value due to Lender used higher consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115398 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115446 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115591 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350115310 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | XXXX |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX |  | Verified | DSCR loan |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | XXXX | XXXX | Verified | XXXX |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115470 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Lender |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115269 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115334 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115335 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115343 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115387 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115428 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115442 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115446 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115500 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115520 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115537 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115582 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115591 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Lender |  | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350115623 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115620 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115606 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115614 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350115621 | XXXX | XXXX | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350115615 | XXXX | XXXX | Note Date |  | XXXX | Verified | he Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115611 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115617 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115624 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115622 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115616 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115610 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115618 | XXXX | XXXX | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Occupancy | XXXX | XXXX | Verified | Field Value reflects Occupancy per the Final Loan Application |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Occupancy | Second Home | XXXX | Verified | Field Value reflects Occupancy per the Final Loan Application |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Updated Note provided in Trailing documents. |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115421 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115321 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115369 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Updated Note provided in Trailing documents. |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115462 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115507 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115231 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115233 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115250 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115252 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115259 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115264 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115269 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115273 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115275 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115276 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115283 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115286 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115287 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115293 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115296 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115298 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115299 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115301 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115304 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115307 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115310 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115321 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115322 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115324 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115325 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115328 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115330 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115331 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115332 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115334 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115335 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115339 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115341 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115343 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115345 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115346 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115347 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115359 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115363 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115364 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115365 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115366 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115367 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115368 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115369 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115377 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115378 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115381 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115382 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115383 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115387 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115391 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115395 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115398 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115399 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115401 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115403 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115404 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115414 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115421 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115422 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115423 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115428 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115430 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115431 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115438 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115441 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115442 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115445 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115446 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115448 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115449 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115450 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115451 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115453 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115461 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115462 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115470 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115474 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115477 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115478 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115480 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115483 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115493 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115495 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115498 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115500 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115501 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115502 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115503 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115507 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115516 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115519 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115520 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115522 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115524 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115528 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115531 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115533 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115534 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115537 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115542 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115552 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115553 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115564 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115565 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115568 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115571 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115573 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115574 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115577 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115580 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115582 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115585 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115590 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115591 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115594 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115595 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115597 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115601 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115603 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115604 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | PITIA Reserves Months | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115259 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115522 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | No PPP |
| XXXX | XXXX | XXXX | 4350115483 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Loan does not contain a Prepayment Penalty |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115310 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115331 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115333 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115334 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115343 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115364 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115371 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115381 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115406 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115418 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115427 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115428 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115441 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115442 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115480 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115502 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115506 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115510 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Prepayment Penalty Period (months) |  | XXXX | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115531 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115577 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115591 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115603 | XXXX | XXXX | Prepayment Penalty Period (months) | XXXX |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350115216 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115221 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115227 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115231 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115242 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115250 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115256 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115257 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115267 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115268 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115269 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115271 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115273 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115275 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115277 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115278 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Product Description | DSCR Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115284 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115286 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115287 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115293 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115299 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115300 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115301 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115302 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115305 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115307 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115316 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115317 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115319 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115321 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | 10 Year Interest Only, 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115325 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115329 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115334 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115335 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115336 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115341 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115343 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115344 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115345 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115346 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115347 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115349 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115351 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115352 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115353 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115355 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115356 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115364 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115367 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115369 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115379 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115383 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115385 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115389 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115390 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115395 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115397 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115399 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115401 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115402 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115404 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115412 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115414 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115423 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115425 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115428 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115438 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115441 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115445 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115446 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115449 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115453 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115456 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115459 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115466 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115470 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115471 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115472 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115474 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115478 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115480 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115484 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115491 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115495 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115500 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115501 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115502 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115503 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115511 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115512 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115513 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115514 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115515 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115520 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115524 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115526 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115528 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115531 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115536 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115537 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115538 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115539 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115540 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115542 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX | Product Description | DSCR Premium Fixed 40 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115545 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115546 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115557 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115564 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115565 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115568 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115571 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115572 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115573 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115574 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115575 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115577 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115580 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115582 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115584 | XXXX | XXXX | Product Description | Consumer NonQM Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115593 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115594 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Product Description | Consumer NonQM 5/6mo ARM (Released) | 5/6 Adjustable Rate | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115597 | XXXX | XXXX | Product Description | DSCR Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115599 | XXXX | XXXX | Product Description | DSCR Premium Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115602 | XXXX | XXXX | Product Description | Consumer NonQM Fixed 30 (Released) | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Product Description | XX NonQM FIXED 30 | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Property Type | 2 Family | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | Property Type | Multi (Blanket) | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Property Type | Condo | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115262 | XXXX | XXXX | Property Type | Multi (Blanket) | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115266 | XXXX | XXXX | Property Type | XXXX | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115295 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115307 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115324 | XXXX | XXXX | Property Type | Multi (Blanket) | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115339 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | Property Type | 2 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115388 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115399 | XXXX | XXXX | Property Type | Multi (Blanket) | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115400 | XXXX | XXXX | Property Type | 2 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115413 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115415 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115423 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115431 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115432 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115454 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115458 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115465 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115507 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Property Type | Multi (Blanket) | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115547 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115581 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115595 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115612 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115605 | XXXX | XXXX | Property Type | Single Family Detached | XXXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Purpose | Purchase | XXXX | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Purpose | Purchase | XXXX | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | Purpose | Purchase | XXXX | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350115607 | XXXX | XXXX | Refi Purpose |  | Cash-out - Other | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Refi Purpose | Cash-out | XXXX | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350115608 | XXXX | XXXX | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX | Refi Purpose | Cash-out | XXXX | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115254 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115294 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115340 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115426 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115434 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115451 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115481 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115485 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115555 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115564 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Representative FICO | XXXX |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | Representative FICO | XXXX |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115619 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115609 | XXXX | XXXX | Representative FICO | XXXX | XXXX | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350115218 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115235 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115245 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115265 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115273 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115288 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115330 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115342 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115375 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115408 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115410 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115440 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115462 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115521 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115532 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115578 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115613 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350115217 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115219 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115224 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115229 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115230 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115231 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115232 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115234 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115236 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115239 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115240 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115243 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115247 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115248 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115250 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115251 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115252 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115259 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115260 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115261 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115270 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115272 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115274 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115275 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115279 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115281 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115282 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115283 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115285 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115286 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115289 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115292 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115293 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115296 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115297 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115301 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115303 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115306 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115307 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115309 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115311 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115312 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115313 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115314 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115320 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115321 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115322 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115338 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115339 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115346 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115347 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115354 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115358 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115361 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115364 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115365 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115370 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115374 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115376 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115380 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115384 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115392 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115393 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115396 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115405 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115407 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115411 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115416 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115420 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115424 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115433 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115435 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115436 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115438 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115441 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115443 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115444 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115447 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115461 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115463 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115467 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115468 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115469 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115470 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115473 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115478 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115482 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115486 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115487 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115488 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115489 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115490 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115492 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115497 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115498 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115516 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115517 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115522 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115523 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115527 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115530 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115534 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115544 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115548 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115549 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115550 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115556 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115558 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115559 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115560 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115561 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115562 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115567 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115568 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115573 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115574 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115577 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115586 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115587 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115588 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115589 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115594 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115597 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115601 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350115220 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115222 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115228 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115246 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115249 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115258 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115280 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115308 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115315 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115318 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115323 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115326 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115327 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115343 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115348 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115357 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115360 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115394 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115409 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115414 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115417 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115419 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115428 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115429 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115437 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115439 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115452 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115453 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115460 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115464 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115475 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115479 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115494 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115496 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115505 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115508 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115509 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115518 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115525 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115531 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115535 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115541 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115542 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115543 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115551 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115554 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115564 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115566 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115576 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115579 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115583 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115592 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115595 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115596 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350115625 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |

---

## Exhibit 99.6

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.6**

**EXECUTIVE SUMMARY**

**COLT 2025-8**

**By Clarifii LLC on July 16, 2025**

COLT 2025-8 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: <u>Christine.Aug@Clarifii.com</u> | &nbsp;&nbsp; E-mail: <u>Jason.Luttenberger@Clarifii.com</u> |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 7 loans (the "Loans") and these loans were subsequently acquired by Lone Star Residential Acquisitions, LLC (the "Client") for the COLT 2025-8 transaction. The loans referenced in this narrative report were reviewed 03/2025 through 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$1500000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$6560275.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$153525.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8213800.00** |

---

The Review consisted of a population of 7 loans, with an aggregate principal balance of $8,213,800.00.

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

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

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction loan population.

COLT 2025-8 Due Diligence Narrative Report – PagE \| 2

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025  |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |

---

COLT 2025-8 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |

---

COLT 2025-8 Due Diligence Narrative Report – PagE \| 4

---

| |
|:---|
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following loan attributes and, where applicable, recalculated based on the information provided:

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

– Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

– Monthly Debt

– Occupancy

– Property Type

– Qualifying principal, interest, tax, insurance, and association dues (PITIA)

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

COLT 2025-8 Due Diligence Narrative Report – PagE \| 5

● **Credit Application** 

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

– All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

– Captured the monthly consumer debt payments for use in the applicable DTI calculation

– Installment and revolving payment history

– Mortgage/Rental payment history

– Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

COLT 2025-8 Due Diligence Narrative Report – PagE \| 6

● **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the loan file to identify and address any potential misrepresentations including:

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

– Employment

– Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

– Other evidence of conveyance and transfer of funds if a sale of assets was involved

– Other documentation in loan file

– Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

● **Property** **Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

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

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

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

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

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

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

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

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

COLT 2025-8 Due Diligence Narrative Report – PagE \| 7

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

● **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage loan met the relevant provisions of:

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

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

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

● **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

– Initial and final application (1003)

– Note, including all addendums

– Copy of note for any junior liens (if applicable)

COLT 2025-8 Due Diligence Narrative Report – PagE \| 8

– Mortgage / Deed of Trust, including all riders

– Initial, Interim, and Final Loan Estimates (LE)

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

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

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

COLT 2025-8 Due Diligence Narrative Report – PagE \| 9

**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present
 in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance
 policies or debt cancellation agreements present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where
 a prepayment penalty that exceeds the state permitted penalty has expired.

● **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

– Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

– California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

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

– Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

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

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

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

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

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

– Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

– Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

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

– Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

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

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

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

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

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

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

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

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

– Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

– Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

– Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

– Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

– Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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

– Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

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

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

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

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

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

– New York Subprime Home Loans, NY Bank. Law § 6-m.

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

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

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

– City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

– Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

– Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

– Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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– City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

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

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

– South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

– Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

– Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

– The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

– Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

– Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

– Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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

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

– Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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

– Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

– Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

– Occupancy Letter (must state that borrower(s) will not reside in the property

– HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

– If property is in a flood zone, Flood Notice must be provided prior to closing

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

Clarifii's review was based on information contained in the loan file at the time it was provided for review.

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All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

● If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

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

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

● For loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

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**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

| | |
|:---|:---|
| **A** | Loan meets Credit, Compliance, and Valuation Guidelines. |
| **B** | The loan materially 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 materially meets published guidelines. |
| **C** | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| **D** | Loan is missing documentation to perform a sufficient review. |

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

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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.

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

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**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$8213800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8213800.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$4800000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;4 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;$3413800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8213800.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$4913800.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$3300000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8213800.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$8213800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8213800.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$8213800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8213800.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

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**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |

---

COLT 2025-8 Due Diligence Narrative Report – PagE \| 19

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation
Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating
Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data
Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating
Agency ATR or QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental
Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business
Purpose Supplement Extract Report

**Disclaimer**

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

*Please be advised that Clarifii 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. Clarifii'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. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

COLT 2025-8 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.7

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 4350115626 | XXXX | XXXX C A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-A VOM to verify the subject is acceptable per DSCR guides. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. this is not required by the DSCR housing history of the guidelines (see attached) - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing copy of note and payoff for subject property, required by guidelines for mortgages not reporting on credit report. Notes with a balloon feature with an expired maturity date exceeding 30 days require an extension to avoid being counted as delinquent. Payoff statement that reﬂects late fees, deferred balance, or delinquent interest are subject to housing history and/or credit event criteria. Additional findings may apply. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. this is not required by the DSCR housing history of the guidelines (see attached) - Seller-XXXX<br>| Resolved-A VOM to verify the subject is acceptable per DSCR guides. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 720; minimum score 700.<br>LTV is less than guideline maximum - qualifying LTV 62.66; max 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | 4350115627 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Property | Property | Property Issues are Present | Resolved-Received confirmation of cosmetic. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. re-uploaded appraisal - Seller-XXXX <br>Counter- Reviewer is unable to open upload dated XXXX-please re upload in correct PDF format - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. appraiser commented on requested items (addendum page) - Seller-XXXX <br>Open-pg 405 unit 2 office some debris on windows and basement has some cracks in back of wall corner, and the pipe capped stove pg 406. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. re-uploaded appraisal - Seller-XXXX <br>Ready for Review-Document Uploaded. appraiser commented on requested items (addendum page) - Seller-XXXX<br>| Resolved-Received confirmation of cosmetic. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 750 ; minimum score 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.56% max 50%.<br>Long term residence - Long term current residence renting for 4 yrs and 6 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 4350115627 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Closing | Issues exist on the Note Document | Waived-Originator exception granted vesting in LLC for primary residence, waiver applied with compactors - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. enclosed please find the Investor exception approval (XXXX) - Seller-XXXX <br>Open-There are Issues Present on the Note that must be addressed. Signed note as LLC - Exception in the file for vesting in an LLC, only. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. enclosed please find the Investor exception approval (XXXX) - Seller-XXXX<br>| Waived-Originator exception granted vesting in LLC for primary residence, waiver applied with compactors - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 750 ; minimum score 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.56% max 50%.<br>Long term residence - Long term current residence renting for 4 yrs and 6 months. | Employment: 3+ years with current employer<br> Residual Income: >XXXX per month verified<br> FICO: >740 and at least 20 points higher than guideline minimum. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115627 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Waived-Originator exception granted Vesting in LLC on Primary residence, waiver applied with compactors - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. enclosed please find the Investor exception approval (XXXX) - Seller-XXXX <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Signed note as LLC - Exception in the file for vesting in an LLC, only. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. enclosed please find the Investor exception approval (XXXX) - Seller-XXXX<br>| Waived-Originator exception granted Vesting in LLC on Primary residence, waiver applied with compactors - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 750 ; minimum score 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.56% max 50%.<br>Long term residence - Long term current residence renting for 4 yrs and 6 months. | Employment: 3+ years with current employer<br> Residual Income: >XXXX per month<br> Fico: 750>740 and at least 20 points higher than guideline minimum. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115627 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Title | Vested Owner Signature Requirement Not met | Waived-Originator exception granted to allow vesting to be held in an LLC, Non-material waiver applied with comp factors. non-material due to borrower owns 100% of the business. - Due Diligence Vendor-XXXX <br>Open-Vested Owner Signature Requirement Not met. Lend exception in file to allow the investor to allows TITLE in LLC for Primary residence. - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted to allow vesting to be held in an LLC, Non-material waiver applied with comp factors. non-material due to borrower owns 100% of the business. - Due Diligence Vendor-XXXX<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 750 ; minimum score 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 34.56% max 50%.<br>Long term residence - Long term current residence renting for 4 yrs and 6 months. | Fico 20 points or more above requirement.<br> Residual income $XXXX or more.<br> Long term employment. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115628 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-Received documentation to support sufficient XXXX Coverage. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. The XXXX coverage is outlined on the GL certificate under the description of operations - Seller-XXXX <br> Counter-Guidelines states that XXXX Insurance is required for condos of XXXX units or more, subject has XXXX units resulting in XXXX insurance being required. No documentation received. - Due Diligence Vendor-XXXX <br> Ready for Review-XXXX Coverage, protects the HOA in case a worker embezzles with the funds of the association, but the developer turnover hasn't occurred yet hence no HOA yet (and we had an exception for that) - Seller-XXXX <br> Open-XXXX Coverage not met. Exception Approval does not include Sufficient XXXX Coverage equaling at least the sum of three months of assessments on all units in the project is required - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. The XXXX coverage is outlined on the GL certificate under the description of operations - Seller-XXXX <br>Ready for Review-XXXX Coverage, protects the HOA in case a worker embezzles with the funds of the association, but the developer turnover hasn't occurred yet hence no HOA yet (and we had an exception for that) - Seller-XXXX<br>| Resolved-Received documentation to support sufficient XXXX Coverage. - Due Diligence Vendor-XXXX<br>| On time mortgage history exceeds guideline requirement - <br>Months Reserves exceed minimum required - Reserves = 54 months – Required Reserves = 3 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 4350115628 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Per the apppraisal, monthly rent is based on long term rent(annual). Short term rent was not used to calculated the DSCR. - Due Diligence Vendor-XXXX <br>Ready for Review-our appraisal shows we used long term rent - Seller-XXXX <br>Open-Income and Employment Do Not Meet Guidelines File is missing 12 Months Statements showing Short-Term Rental Received - 1007 rents may be allowed when property is located in an established short-term/vacation market, on a case-by-case basis. Can be considered case-by-case using, the most recent 12-month bank statements from the borrower evidencing short term rental deposits - Due Diligence Vendor-XXXX | Ready for Review-our appraisal shows we used long term rent - Seller-XXXX<br>| Resolved-Per the apppraisal, monthly rent is based on long term rent(annual). Short term rent was not used to calculated the DSCR. - Due Diligence Vendor-XXXX<br>| On time mortgage history exceeds guideline requirement - <br>Months Reserves exceed minimum required - Reserves = 54 months – Required Reserves = 3 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 4350115628 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow with comp factors - Due Diligence Vendor-XXXX <br>Open-Exception Approval in file – 1. Ineligible Project – Non-Warrantable Condotel - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow with comp factors - Due Diligence Vendor-XXXX<br>| On time mortgage history exceeds guideline requirement - <br>Months Reserves exceed minimum required - Reserves = 54 months – Required Reserves = 3 Months | Shows XXXX in personal reserves aside from cash out<br> 58.8 LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115629 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-Received Documentation to support sufficient XXXX Coverage. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. The XXXX coverage is outlined on the GL certificate under the description of operations - Seller-XXXX <br>Counter-Exception received does not reflect XXXX Coverage-please provide amended or new exception. - Due Diligence Vendor-XXXX <br>Ready for Review-XXXX Coverage, protects the HOA in case a worker embezzles with the funds of the association, but the developer turnover hasn't occurred yet hence no HOA yet (and we had an exception for that) - Seller-XXXX <br>Open-XXXX Coverage not met. Exception Approval does not include Sufficient XXXX Coverage equaling at least the sum of three months of assessments on all units in the project is required - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. The XXXX coverage is outlined on the GL certificate under the description of operations - Seller-XXXX <br>Ready for Review-XXXX Coverage, protects the HOA in case a worker embezzles with the funds of the association, but the developer turnover hasn't occurred yet hence no HOA yet (and we had an exception for that) - Seller-XXXX<br>| Resolved-Received Documentation to support sufficient XXXX Coverage. - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - Reserves = 50 months – Required Reserves = 3 Months<br>LTV is less than guideline maximum - LTV = 49.891% - Max LTV = 60% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 4350115629 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Per 1007 rents are based on long term not STR - Due Diligence Vendor-XXXX <br>Ready for Review-per appraisal we used long term rent - Seller-XXXX <br>Open-Income and Employment Do Not Meet Guidelines File is missing 12 Months Statements showing Short-Term Rental Received - 1007 rents may be allowed when property is located in an established short-term/vacation market, on a case-by-case basis. Can be considered case-by-case using, the most recent 12-month bank statements from the borrower evidencing short term rental deposits - Due Diligence Vendor-XXXX | Ready for Review-per appraisal we used long term rent - Seller-XXXX<br>| Resolved-Per 1007 rents are based on long term not STR - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - Reserves = 50 months – Required Reserves = 3 Months<br>LTV is less than guideline maximum - LTV = 49.891% - Max LTV = 60% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 4350115629 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow with comp factors - Due Diligence Vendor-XXXX <br>Open-Exception Approval in file – <br> 1. Ineligible Project – Non-Warrantable Condotel<br> - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow with comp factors - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - Reserves = 50 months – Required Reserves = 3 Months<br>LTV is less than guideline maximum - LTV = 49.891% - Max LTV = 60% | 1. Loan to Value 10% or more under requirement <br> 2. Reserves 12+ months more than requirement<br> 3. Shows $XXXX in Personal Reserves aside from Cash Out |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115630 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Updated policy received - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. enclosed policy includes flood coverage - Seller-XXXX <br>Open-Flood Insurance Expiration Date of XXXX is prior to the Note Date of XXXX Flood insurance expired. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. enclosed policy includes flood coverage - Seller-XXXX<br>| Resolved-Updated policy received - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - LTV 58.59; max LTV 75%.<br>Months Reserves exceed minimum required - 50.8 months PITIA reserves; 9 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 4350115630 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Originator exception granted to allow less than the required rent-loss coverage. Non-material waiver applied with comp factors. non-material due to borrower has 12+ months of reserves. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. HO6 - Seller-XXXX <br>Open-Rent Loss Coverage is Insufficient or Missing. per notes and guides requires rent loss insurance was not provided H06 to validate rent loss. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. HO6 - Seller-XXXX<br>| Waived-Originator exception granted to allow less than the required rent-loss coverage. Non-material waiver applied with comp factors. non-material due to borrower has 12+ months of reserves. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - LTV 58.59; max LTV 75%.<br>Months Reserves exceed minimum required - 50.8 months PITIA reserves; 9 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115630 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Waived-Originator exception granted to allow less than the required flood insurance coverage. Non-material waiver applied with comp factors. non-material due to the property being in XXXX and against the law to provide more than the replacement cost. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. enclosed please find the exception to this matter from the investor (XXXX XXXX) - Seller-XXXX <br> Open-Flood Insurance Coverage Amount does not meet minimum required coverage amount Lender exception for Non Warrantable condo-<br> XXXX new project requires Pers which they dont have. XXXX budges not available , they have XXXX.<br> Flood XXXX short. With this being XXXX insurer is saying against the law there to provide replacement cost. HOA did confirm they believe its sufficient coverage considering in the event of flooding it would typically only impact the first few floors and not all XXXX floors. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. enclosed please find the exception to this matter from the investor (XXXX XXXX) - Seller-XXXX<br>| Waived-Originator exception granted to allow less than the required flood insurance coverage. Non-material waiver applied with comp factors. non-material due to the property being in XXXX and against the law to provide more than the replacement cost. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - LTV 58.59; max LTV 75%.<br>Months Reserves exceed minimum required - 50.8 months PITIA reserves; 9 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115630 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy was provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. HO6 - Seller-XXXX <br>Open-HO-6 Insurance Policy is Missing Missing hO6 policy. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. HO6 - Seller-XXXX<br>| Resolved-HO-6 Insurance Policy was provided. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - LTV 58.59; max LTV 75%.<br>Months Reserves exceed minimum required - 50.8 months PITIA reserves; 9 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | 4350115630 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted to allow non-warrantable condo that does not meet guides. Non-material waiver applied with comp factors. non-material due to borrower has 12+ months of reserves. - Due Diligence Vendor-XXXX <br> Open-The file does not contain the required structural engineer report perXXXXlaw. Lender exception for Non Warrantable condo-<br> XXXX new project requires Pers which they dont have. XXXX budges not available , they have XXXX.<br> Flood coverage is short- XXXX requires $XXXX per unite or 80% of replacement cost, coverage is $XXXX per unit would need $XXXX short. With this beingXXXXinsurer is saying against the law there to provide replacement cost. HOA did confirm they believe its sufficient coverage considering in the event of flooding it would typically only impact the first few floors and not all XXXX floors. - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted to allow non-warrantable condo that does not meet guides. Non-material waiver applied with comp factors. non-material due to borrower has 12+ months of reserves. - Due Diligence Vendor-XXXX<br>| LTV is less than guideline maximum - LTV 58.59; max LTV 75%.<br>Months Reserves exceed minimum required - 50.8 months PITIA reserves; 9 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX <br> Open-Exception to use non-subject rent for XXXX based on appraisal market rent rather than lease/rent receipt<br> - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 | FICO 20 points or more above requirement<br> Total debt 10% or more under requirement<br> Reserves 12+ months more than requirement<br> Residual Income $XXXX or more<br> Long Term Employment (>5 years)<br> Long Term Homeownership (>5 years)<br> Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received, Borrower 1 Gap Credit Report. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. GAP report uploaded again - Seller-XXXX <br>Counter-Receiving an error when trying to open the PDF. Please re-upload. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. GAP - Seller-XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. GAP report uploaded again - Seller-XXXX <br>Ready for Review-Document Uploaded. GAP - Seller-XXXX<br>| Resolved-Received, Borrower 1 Gap Credit Report. - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. CDA - Seller-XXXX <br> Open-Appraisal is Missing Missing second appraisal by XXXX (Per XXXX and XXXX SSR reports) - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. CDA - Seller-XXXX<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Lender provided a desk review which supports the value - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. re-uploaded XXXXS - Seller-XXXX <br> Counter-Receiving an error when trying to open the PDF. Please re-upload. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. XXXXs - Seller-XXXX <br> Open-Missing CU supporting the appraised value of $XXXX. CU in file on page 424 has a value of $XXXX; Missing LCA supporting the appraised value of $XXXX, LCA in file on page 427 has a value of $XXXX Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. re-uploaded XXXXS - Seller-XXXX <br>Ready for Review-Document Uploaded. XXXXs - Seller-XXXX<br>| Resolved-Lender provided a desk review which supports the value - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Inquiry LOE - Seller-XXXX <br>Open-LOX for credit inquiries is missing. Missing Borr signed LOX inquiries. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Inquiry LOE - Seller-XXXX<br>| Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX <br>Open-Exception to document source of deposits via CPA letter, rather than 2 months business statements<br> - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 | FICO 20 points or more above requirement<br> Total debt 10% or more under requirement<br> Reserves 12+ months more than requirement<br> Residual Income $XXXX or more<br> Long Term Employment (>5 years)<br> Long Term Homeownership (>5 years)<br> Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | 4350115631 | XXXX | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX <br>Open-Exception for personal bank statements with % of ownership 8.33% to 22.22%<br> - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-XXXX<br>| Months Reserves exceed minimum required - 8.82mos reserves. Per guides, 3 reserves required.<br>On time mortgage history exceeds guideline requirement - Borrs 170mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 767. Per guides, minimum score required 720 | <br> FICO 20 points or more above requirement<br> Total debt 10% or more under requirement<br> Reserves 12+ months more than requirement<br> Residual Income $XXXX or more<br> Long Term Employment (>5 years)<br> Long Term Homeownership (>5 years)<br> Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | N/A | XXXX |
| XXXX | 4350115632 | XXXX | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow total housing history of 3x30, Non-material waiver applied with comp factors. non-material due to all other credit requirements meet. - Due Diligence Vendor-XXXX |  | Waived-Originator exception granted to allow total housing history of 3x30, Non-material waiver applied with comp factors. non-material due to all other credit requirements meet. - Due Diligence Vendor-XXXX<br>| Qualifying DTI below maximum allowed - DTI is 34.99% and max allowed is 50%<br>LTV is less than guideline maximum - LTV is 58.73% and max LTV is 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 692 and minimum allowed is 660. | -LTV is 58.73% and max LTV is 75%.<br> - DTI is 34.99% and max allowed is 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |

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## Exhibit 99.8

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.8**

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4350115626 | XXXX | XXXX | XXXX | XXXX C A |
| 4350115627 | XXXX | XXXX | XXXX | XXXX C A B |
| 4350115628 | XXXX | XXXX | XXXX | XXXX C A B |
| 4350115629 | XXXX | XXXX | XXXX | XXXX C A B |
| 4350115630 | XXXX | XXXX | XXXX | XXXX D A B |
| 4350115631 | XXXX | XXXX | XXXX | XXXX D A B |
| 4350115632 | XXXX | XXXX | XXXX | XXXX C A B |

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## Exhibit 99.9

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.9**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4350115628 | XXXX | XXXX | XXXX | XXXX | Property Type | XXXX | Condotel | Condominium | Per appraisal and condo questionnaire |
| 4350115629 | XXXX | XXXX | XXXX | XXXX | Property Type | XXXX | Condotel | Condominium | Per appraisal and condo questionnaire |
| 4350115630 | XXXX | XXXX | XXXX | XXXX | Loan Type | XXXX | DSCR | Conventional | Per 1008 |
| 4350115631 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | XXXX | 5 | 1 | Per credit reort and reo settlement statement |
| 4350115632 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | XXXX | 3 | 1 | Per credit report |

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## Exhibit 99.10

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.10**

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| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4350115626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350115627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350115628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350115629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350115630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350115631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 4350115632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

---

## Exhibit 99.11

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.11**

![](ex9916001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary

COLT 2025-8

Dated: July 16, 2025

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034** <br> **P: 888.892.1843** **\| evolvemortgageservices.com** <br>

![](ex9916002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Lone Star Residential Acquisitions, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size and criteria.**

The final population of the Review covered 3 Loans, 2 Residential Loans and 1 Business Purpose Loan, totaling an aggregate original principal balance of approximately $1,408,000.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population. The Review was conducted consistent with the criteria for S&P Global Ratings ("S&P"), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

**Quality or integrity of information or data about the assets: review and methodology.**

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Discrepancies outside of reasonable tolerances were reported. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex9916002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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

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

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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Forward Thinking. Seamless Solutions.

**Title Review:** Evolve's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

**Value of collateral securing the assets: review and methodology.**

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

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9916002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |

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|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

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

iv) timing of initial and re-disclosed TIL(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

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

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

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| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the loan file contains the final HUD;

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the loan file;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set forth herein.

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first-time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

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

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iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSRO and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

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

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

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set forth herein.

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## Exhibit 99.12

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.12**

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| **Rating Agency Grades** |
| **Run Date - 07/09/2025 8:03:41 AM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | XXXX | 4350115637 | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | XXXX | XXXX | 4350115638 | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | XXXX | XXXX | 4350115639 | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |

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## Exhibit 99.13

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.13**

![](evolve-logo.jpg)

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| **Exception Detail** |
| **Run Date - 07/09/2025 8:03:41 AM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | 4350115638 | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Short term rental DSCR > 65% requires 75% of market rent. Exception required to use 80% of short-term market rent. |  | Received Exception approval for STR DSCR to use 80% of short-term market rent. Comp Factors - reserves over 100%, seasoned investor, score XXXX, LTV 75% |  | XXXX | XXXX | XXXX B | 2 | XXXX | XXXX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| XXXX | XXXX | XXXX | 4350115638 | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Max contributions for Non-Owner-Occupied properties is 3%. Subject contributions 3.55%. Seller contributed $XXXX, Realtor contributed $XXXX. |  | Received Exception approval for ICP over 3%/ Comp Factors - reserves over 100%, seasoned investor, score XXXX, LTV 75% |  | XXXX | XXXX | XXXX B | 2 | XXXX | XXXX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject current mortgage is a private mortgage. Need a copy of that note. | Payoff and lender VOM provided |  |  | XXXX | XXXX | XXXX A | 1 | XXXX | XXXX | 1 | 3 C B | A | A |  | Non-QM | 1 |
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max LTV for Rural Properties is 75%. Exception approved for Rural property at 80% LTV. |  | Compensating factors: Fico of XXXX above minimum requirement of XXXX. Mortgages paid agreed. $XXXX residual requirement above the minimum of $XXXX. |  | XXXX | XXXX | XXXX B | 2 | XXXX | XXXX | 1 | 3 C B | A | A |  | Non-QM | 1 |
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The application shows a $XXXX mortgage with XXXX for XXXX but it is not showing on credit. Need copy of note and 12 mo payment history. | No mortgage on property HOI and Tax cert provided |  |  | XXXX | XXXX | XXXX A | 1 | XXXX | XXXX | 1 | 3 C B | A | A |  | Non-QM | 1 |
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The file contains a credit inquiry for a XXXX with a balance of $XXXX and a monthly payment of $XXXX. Need a further LOE on this loan and proof Borrower is not personally responsible for it. If they are, need to add it to the loan. | Paid by business |  |  | XXXX | XXXX | XXXX A | 1 | XXXX | XXXX | 1 | 3 C B | A | A |  | Non-QM | 1 |
| XXXX | XXXX | XXXX | 4350115639 | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Maximum DTI for a FTHM is 45%. Loan exceeds it. |  | Compensating factors: PAA past rental history. $XXXX residual income and XXXX months reserves |  | XXXX | XXXX | XXXX B | 2 | XXXX | XXXX | 1 | 1 C B | A | A |  | Non-QM | 1 |

---

## Exhibit 99.14

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.14**

![](evolve-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 07/09/2025 8:03:41 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | XXXX | 4350115638 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.25% | XXXX A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | XXXX | 4350115639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.59% | XXXX A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.15

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.15**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 07/09/2025 8:03:41 AM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX | XXXX | XXXX | 4350115637 | Property Zip | XXXX | XXXX | Original data is correct per note |
| XXXX | XXXX | XXXX | 4350115638 | Original Amortization Term | 360 | 240 | verified |
| XXXX | XXXX | XXXX | 4350115638 | Doc Type | Alternative | Debt Service Coverage | DSCR Loan |
| XXXX | XXXX | XXXX | 4350115638 | Interest Only | N | Y | verified |
| XXXX | XXXX | XXXX | 4350115638 | Property Type | HighRiseCondominium | Condo Hotel | Verified with loan approval |
| XXXX | XXXX | XXXX | 4350115638 | Property Zip | XXXX | XXXX | verified |
| XXXX | XXXX | XXXX | 4350115639 | Doc Type | Alternative | Bank Statement | Bank Statements |

---

## Exhibit 99.16

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.16**

**Executive Summary**

COLT 2025-8

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by ("Lone Star Residential Acquisitions, LLC"). The Review was conducted from March 2025 to July 2025 on mortgage loans originated from March 2025 to July 2025. The Review consisted of 100% of the population of 188 loans with an original loan balance of $93,886,753.00.

**Scope of Review**

**Credit Review**

MaxDiligence 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 will include the following (collectively, the "Credit Review"):

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of DSCR calculations

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

![](ex9921001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and/or market rents and validation of DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

![](ex9921001.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act.

![](ex9921001.jpg)

For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties or business purpose loans, as set forth below:

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

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

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

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

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

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

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

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

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

![](ex9921001.jpg)

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

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

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

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

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

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

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

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

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

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

![](ex9921001.jpg)

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

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review will include a review of the valuation materials utilized during the origination
 of the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

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

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

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

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

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

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

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

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

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

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

![](ex9921001.jpg)

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

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

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

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

**Compliance Review**

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

![](ex9921001.jpg)

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

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

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

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

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

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

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

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

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

![](ex9921001.jpg)

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

Rescission

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

![](ex9921001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9921001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

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

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

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

![](ex9921001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence will not test:

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

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

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

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

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

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

**Data Tape Integrity Review**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

![](ex9921001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 80.32% of the pool receiving an overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;151 | &nbsp;&nbsp;80.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;19.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;154 | &nbsp;&nbsp;81.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;34 | &nbsp;&nbsp;18.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;182 | &nbsp;&nbsp;96.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

![](ex9921001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;188 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**188** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Earnest Money Deposit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Insufficient Cash to Close or Reserves | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Miscellaneous | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower - Residency Alien Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Citizenship Documentation Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose - Loan Guaranty/Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Calculated DSCR does not meet the Minimum DSCR allowed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo - Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporate OR Partnership: Names and ownership percentages for Partners & Limited Partners is Incomplete | &nbsp;&nbsp;2 |

---

![](ex9921001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Corporation/LLC: Certificate of Good Standing Doc is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit Documentation - Letter of Explanation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit Documentation - Mortgage History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Profile - Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Profile - FTHB with Mortgage History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Profile - Mortgage Payment History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Profile - Other | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;DSCR does not meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;DTI - Missing Debts/ DTI Exceeds Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Eligibility - Borrower Identity | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Eligibility - Citizenship Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Escrow Account - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Evidence of Property Tax Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;FEMA Declared Disaster Area Post Closing Review | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Gift Letter - No Evidence for Transfer of Funds | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance - Other Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income - General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income - LOE Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income - Mismatch | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income - Rental Property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Loan Package - Trust Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Closing/Final Verbal VOE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Fraud Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;7 |

---

![](ex9921001.jpg)

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Mortgage Insurance - Insufficient | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;81 |
|  |  | &nbsp;&nbsp;PITIA miscalculated/exceeds tolerance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Program Parameters - Borrower/Business Entity Ineligibility | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;5 |
|  |  | &nbsp;&nbsp;Program Parameters - Occupancy | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title - Ownership Issue | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Commitment - Other | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien(s) Total | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;W2 Is Missing Copy Type | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***206*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Assets - Insufficient Source Seasoning | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower - Residency Alien Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo - Master Policy Insufficient | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit Profile - Other | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR does not meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Eligibility - Investor Experience | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive Seller Contributions | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Program Parameters - Property Type | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject property Short Term Rental Income does not meet qualification | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Transaction is not arm's length | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***38*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal - Other | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Purpose is Purchase but Purchase Contract Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing HOA/Condo Certification | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;176 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***186*** |

---

![](ex9921001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal - Miscellaneous | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Condo Ineligible | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Neighborhood Location | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Assignment of Rents Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test (50001257) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test (50001258) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Detail Statement Indicator is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Federal - Closing Disclosure and Consummation Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Federal - Finance Charge Disclosure Tolerance (Closed End) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Federal - Loan Estimate Disclosure Received and Intent To Proceed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - Affiliated Business Disclosure/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - Homeownership Counseling Disclosure/Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing evidence of rate lock | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing HUD-1 Closing Statement | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Other Required mortgage rider | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Service Provider List | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage not properly executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;130 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Initial Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***196*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

![](ex9921001.jpg)

Of the 188 mortgage loans reviewed, 110 unique mortgage loans (by loan count) had a total of 198 different tape discrepancies across 36 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;B1 Individual Tax Identification Number (ITIN) | &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;B1 Verified Citizenship Designation | &nbsp;&nbsp;4 | &nbsp;&nbsp;39 | &nbsp;&nbsp;10.26% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;111 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;162 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;5 | &nbsp;&nbsp;18 | &nbsp;&nbsp;27.78% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;10 | &nbsp;&nbsp;99 | &nbsp;&nbsp;10.10% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;14 | &nbsp;&nbsp;17 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;11 | &nbsp;&nbsp;62 | &nbsp;&nbsp;17.74% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;10 | &nbsp;&nbsp;129 | &nbsp;&nbsp;7.75% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;6 | &nbsp;&nbsp;180 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;2 | &nbsp;&nbsp;82 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;185 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;45 | &nbsp;&nbsp;37.78% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;9 | &nbsp;&nbsp;44.44% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;9 | &nbsp;&nbsp;23 | &nbsp;&nbsp;39.13% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;94 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;162 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;180 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;162 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;117 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;154 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;143 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;18 | &nbsp;&nbsp;89 | &nbsp;&nbsp;20.22% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;46 | &nbsp;&nbsp;19.57% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.56% |
| &nbsp;&nbsp;Reviewed Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;132 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;20 | &nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;113 | &nbsp;&nbsp;6.19% |

---

![](ex9921001.jpg)

**Event Grade Definitions**

---

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

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

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![](ex9921001.jpg)

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

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

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## Exhibit 99.17

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.17**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped Id** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Credit Documentation - Mortgage History | The loan file did not contain sufficient mortgage payment history. Missing documentation that the borrower, XXXX, paid the following mortgage payment on XXXX: XXXX <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Subject property Short Term Rental Income does not meet qualification | Short term rental income is not properly documented and/or does not meet guidelines. Short term rentals require DSCR >= 1.25. A formal exception is in the file. <br>|  |  |  | The exception was approved based on housing payment history of 0x30x24, and LTV less than 70%, LTV is 5% less than guideline maximum, monthly reserves are verified and at least 4 months more than guideline minimum.  | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Foreign national cash out allowed by exception only. A formal exception is in the file. <br>|  |  |  | The exception was approved based on all other terms and conditions to be met as submitted, no further exceptions. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Unable to locate the fraud documentation. <br>|  | Document Uploaded. - XXXX | Third party fraud report is provided - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The borrower is a foreign national and the loan was approved with a DSCR less than 1. Per guidelines, DSCR less than 1 for foreign nationals are allowed as an exception. The exception is located in the loan file, but the compensating factors are missing. Please provide the updated exception. <br>|  | Document Uploaded. - XXXX | Compensating factors indicate that reserves are four months above guideline requirements. The required reserves were twelve months, but the file contains fifteen months. - XXXX | LTV less than 70%, and at least 5% less than guidelines max, reserves verified and at least 4 months more than guideline minimum. Required 12 months, XXXX months verified. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. File does not contain verification of self employment for 2 years. <br>|  | Document Uploaded. - XXXX | Received XXXX verbal VOE with CPA verifying business existence. - XXXX<br> Borrower 1 3rd Party VOE prior to close was provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | Missing Other Required mortgage rider | Renewal and Extension Rider noted on Deed of Trust is missing. <br>|  | Document Uploaded. - XXXX | Renewal and Extension Rider received. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 7 | XXXX | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. <br>|  | Document Uploaded. - XXXX | The Initial 1003 is present. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 7 | XXXX | Compliance | Missing Doc - Homeownership Counseling Disclosure/Missing | Homeownership Counseling Disclosure is missing. <br>|  | Document Uploaded. - XXXX | Homeownership Counseling Disclosure was provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 7 | XXXX | Compliance | Missing Service Provider List | The loan file does not contain the Service Provider List. <br>|  | Document Uploaded. - XXXX | Received Service Provider's list. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 7 | XXXX | Compliance | Federal - Finance Charge Disclosure Tolerance (Closed End) | The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Unable to determine fees included in Finance Charge. Provide itemization of fees included. <br>|  | Document Uploaded. - XXXX | Received initial Disclosures - XXXX<br> Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 7 | XXXX | Compliance | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Unable to determine creditor's application date. Provide initial 1003/ actual application date and/or earlier issued LE <br>|  | Document Uploaded. - XXXX | Received initial LE - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 7 of 7 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines short term rental DSCR calculations are only permissible when the DSCR ratio is greater than or equal to 1.25. A formal exception is located in the loan file for a DSCR of 1. <br>|  |  |  | Payment History exceeds guideline requirements. Reserves exceeds guidelines. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Audited LTV of 70% for DSCR loans with DSCR 0.75 ≤ DSCR < 1 , exceeds guideline LTV of 65%. <br>|  | Document Uploaded. attached - XXXX | An exception was provided for the CLTV greater than 65%. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Audited LTV of 70% for DSCR loans with DSCR 0.75 ≤ DSCR < 1 , exceeds guideline LTV of 65%. <br>|  | Document Uploaded. - XXXX | An exception was approved for the CLTV greater than 65%. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Audited LTV of 70% for DSCR loans with DSCR 0.75 ≤ DSCR < 1 , exceeds guideline LTV of 65%. <br>|  | Document Uploaded. - XXXX | An exception was provided due to the guideline LTV> 65%. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, DSCR ratio less than 1 is allowed as exception only. A formal exception is located in the loan file. <br>|  |  |  | DSCR> .74- exception approved. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 5 | XXXX | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. <br>|  | Document Uploaded. attached. - XXXX | Rate Lock Agreement received. - XXXX<br> Evidence of Rate Lock Provided - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 5 | XXXX | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T missing from the file. Unable to locate the 4506C in the file. <br>|  |  | Lender clarification received, this loan is not a full doc and is a WVOE loan and does not have the 4506C requirement. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 5 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Unable to locate the Final 1008 in the file. The 1008 in the file is showing an inaccurate P&I payment of $XXXX. Underwriter did not provide an analysis for the income. <br>|  | Document Uploaded. Attached approval and income analysis. Our LOS system, XXXX, is only printing on primary and not the subject. - XXXX | documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 5 of 5 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Acknowledge LOE pg XXXX from borrower in regards to rent payment history. Nothing in file meeting guidelines.<br> § Housing history evidenced by Twelve-month proof of payment via cancelled checks, bank debits or VOR<br>|  | Document Uploaded. Attached. - XXXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br> documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Credit Profile - Mortgage Payment History | A mortgage payment history reflected at least one 30-day late in the last 12 months, which exceeds guidelines. Missing a mortgage statement for loan #XXXX with XXXX. <br>|  |  | A mortgage statement for loan XXXX with XXXX Finance not required as per lender the loan has not yet closed with them. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | DSCR does not meet Guidelines | The subject DSCR does not meet guideline requirements. Per guidelines- Rental income = lower of Lease agreement or market rent survey from appraisal report. Market rent $XXXX, loan approved using actual lease rent $XXXX (lease not in file).<br>|  |  |  | Compensating factors-Actual lease rent is $XXXX which would translate to 0.8x DSCR, XXXX FICO and XXXX years PPP. High FICO over program requires. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Final 1003 has no primary housing. There is a lease with borrower signed as tenant for primary. There is no VOR, 12 mos validation, or letter stating rent free. <br>|  | Document Uploaded. Attached. - XXXX | documentation meet guideline requirements - XXXX<br> Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350115657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | XXXX | 4350115657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. The loan requires 9 months of reserves. An additional $XXXX for reserves must be verified. <br>|  | Document Uploaded. - XXXX<br> Document Uploaded. - XXXX | The reserves are short for the 9 months required. A formal exception is in the file to allow XXXX months. - XXXX<br> The loan closed on XXXX per the Note. The guidelines provided were dated after closing. Please document sufficient reserves as per the guidelines in place as of the date of closing. - XXXX | The exception was approved with XXXX months of reserves. | XXXX | Waived | 3 | 2 | 4 | 2 |
| XXXX | XXXX | 4350115657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Please provide the executed personal guaranty. <br>|  | Document Uploaded. - XXXX<br> Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX<br> Unable to open the document provided. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Letter in file on page XXXX from the borrower stating that he resides in current residence and only signed by borrower. Guidelines stated that the housing history has to be evidenced by 12 month proof of payments via cancelled checks, bank debits or VOR. The letter is not signed by the person or persons that borrower is renting from. <br>|  | Document Uploaded. attached. - XXXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br> documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. DSCR is XXXX which is under the 1.25 requirement. A formal exception is located in the loan file. <br>|  |  |  | Reserves exceed guideline minimum. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is basis. The appraisal is subject to but there is no update to the appraisal in the file. <br>|  | Document Uploaded. - XXXX | 1004D has been provided. - XXXX<br> Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a FEMA declared disaster area. Post closing property inspection report required. The disaster happened prior to the appraisal completion. Appraiser did not note on the appraisal in regards to the adverse event and certify that there has been no change in the valuation. The appraisal was completed on XXXX and the disaster occurred on XXXX. At the time of closing the appraisal was expired. Please provide the updated appraisal and/or the 1004D. <br>|  | Document Uploaded. - XXXX | - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Property | Appraisal is Expired | Primary value appraisal is expired. The appraisal is dated XXXX and the Note date is XXXX, making the appraisal greater than 120 days old. <br>|  | Document Uploaded. - XXXX | The 1004D inidcating the value hasn't changed has been provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The letter explaining the purpose of the cash out is missing from the loan file. <br>|  | Document Uploaded. - XXXX | Cash out letter has been received. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. For Short-Term rentals guidelines require a DSCR ratio greater than 1.25 and Purchase transactions only. A formal exception is located in the loan file. <br>|  |  |  | Compensating factors listed as Depth of the prior housing history is XXXX years. and Reserves exceed guideline minimum. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file for a DSCR ratio less than 1 for a Foreign National Borrower. <br>|  |  |  | Minimum required reserves exceeded. 12 month reserves are required. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | Missing Other Required mortgage rider | Missing Assignments of Rents and Leases Rider. <br>|  | Document Uploaded. - XXXX | The executed assignment of leases and rent rider was provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. The DOT is missing page XXXX, XXXX, and XXXX. <br>|  | Document Uploaded. - XXXX | The Deed of Trust is present and complete - XXXX<br> Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | Assignment of Rents Doc is Missing | The loan file does not contain the Assignment of Rents. The Deed details an Assignments of Rents and Leases Rider attached. However, the loan file is missing the Assignments of Rents and Leases Rider. <br>|  | Document Uploaded. - XXXX | The missing/ executed Assignment of Lease and Rents rider provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Missing Fraud Product | The LexisNexis in the file is for the business name. The guidelines require the report to be on the guarantor. <br>|  | Document Uploaded. Please see the attached. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Document receipt of the 1st months rent and the security deposits as per the lease of $XXXX and $XXXX. Per the guidelines the property is considered unleased if not provided and 90% of the market rent must be used to qualify. This would result in a DSCR below 1.0. <br>|  | Document Uploaded. Please see the attached from borrower outlining the receipt of XXXX on XXXX. Market rent of $XXXX (lesser of actual and market) used to calculate DSCR. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) FCD discloses disbursement date as XXXX, however docs were not executed until XXXX and not eligible for disbursement until XXXX <br>|  | Document Uploaded. Hi team,<br> The actual closing date is XXXX and the disbursement date is XXXX. - XXXX | Received PCCD correcting disbursement date - XXXX<br> Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 7 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide documentation that taxes and insurance on XXXX is $XXXX as listed on URLA REO. <br>|  | XXXX and XXXX are attached and on the same lot. See attached – XXXX is in front and XXXX attached to back.<br>Owned by company – XXXX – and tax bill and insurance are in company name for XXXX.<br> XXXX does not have a separate parcel. Street addresses on XXXX end at XXXX.<br> - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 7 | XXXX | Credit | Potential Occupancy/Current Address Issues identified in the file | Provide clarification as the URLA 1003 has the primary current address XXXX, however it is listed as investment in the real estate owned section of the 1003.  |  | Document Uploaded. Updating income to use most recent 12 mos. XXXX was closed XXXX and XXXX – so UW used XXXX and XXXX to get a full 12 mos. calculation. <br> We should have excluded those and used the minimal deposits in XXXX and XXXX - DTI only increases slightly and still works 29% DTI.<br>XXXX and XXXX are attached and on the same lot. See attached – XXXX is in front and house attached to back.<br>Owned by company – XXXX – and tax bill and insurance are in company name for XXXX.<br> XXXX does not have a separate parcel. Street addresses on XXXX end at XXXX.<br>- XXXX | Documentation provided is sufficient.<br> - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 7 | XXXX | Credit | Income - General | The loan file reflected additional income issues. Provide letter of explanation for low deposits in the month of XXXXXXXX and XXXX (letter in file have date XXXX) <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 7 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The subject is 12 months Bank Statement however the letter in file states the restaurant closed for XXXX months due to restorations and therefore provided an additional XXXX months statement for XXXX for the months business was closed. Per the guidelines business bank statements must be consecutive and from the most recent period. No Exception was provided for use of non-consecutive bank statements. <br>|  | Income calculation updated to include the XXXX & XXXX statements and exclude XXXX & XXXX. Updated income worksheet, updated XXXX&XXXX provided. DTI under 33% - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 7 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 7 of 7 | XXXX | Credit | DTI - Missing Debts/ DTI Exceeds Tolerance | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. The audit DTI is 25.43% which exceeds tolerance. Audit income excluded a $XXXX deposit as per guidelines being 50% more than monthly income, resulting in qualifying income of $XXXX. It appears the lender's final DTI did not include all debts showing on the credit report, however documentation for exclusion was not provided. Please provide the final income and liabilities to support the DTI used to qualify. <br>|  | Please provide which liabilities are not included - even after backing out $XXXX deposit - DTI would not exceed 50% - XXXX | Clarification and explanation provided is sufficient for higher DTI than initial 1008 in the file. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 7 | XXXX | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan wasn't signed until XXXX and the Final CD shows a disbursement date of XXXX. <br>|  | Document Uploaded. - XXXX | Received PCCD - XXXX<br> Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 7 | XXXX | Property | Appraisal is Missing | The file is missing the appraisal. <br>|  | Document Uploaded. - XXXX | Received appraisal report. - XXXX<br> Appraisal is Present or is Waived - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 7 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  | Document Uploaded. - XXXX | Received Collateral Underwriter report with XXXX score. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 7 | XXXX | Credit | Corporate OR Partnership: Names and ownership percentages for Partners & Limited Partners is Incomplete | The documentation in file to verify the corporate or partnership names and ownership percentages for partners and limited partners is incomplete. Provide verification bank statement XXXX is same business listed on XXXX<br>|  | Document Uploaded. - XXXX | Received email correspondence from CPA who provided CPA letter in file who confirmed that XXXX is one and the same as XXXX. (XXXX) as XXXX is the parent company. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 7 | XXXX | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. Borrower driver's licence expired <br>|  | Document Uploaded. - XXXX | Proof of interim license provided, condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 7 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Primary residence mortgage originated XXXX; however, only XXXX months credit history was reported. Please provide a complete 12 months primary housing mortgage history per guideline requirements. <br>|  | Document Uploaded. - XXXX | Received remaining proof of payments. XXXX demand showed loan was due for XXXX. LTV and DTI are well below program maximum. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 7 of 7 | XXXX | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a FEMA declared disaster area. Post closing property inspection report required. Subject property located in XXXX which was impacted by the XXXX XXXX and Straight-line Winds (XXXX) FEMA-declared disaster, with incident period end date of XXXX. Missing appraisal report, so unable to determine if the appraiser commented on the adverse event and if there was any effect on marketability or value per guideline requirements. <br>|  | Guidelines for disaster areas should be followed for 90 days from the disaster period end date or the date of the event, whichever is later. The end date of XXXX fires is XXXX and the effective date of appraisal report is XXXX, more than 90 days away from the end date of XXXX fires. Please kindly review and waive this purchase condition. - XXXX <br> Document Uploaded. - XXXX | Guidelines for disaster areas should be followed for XXXX days from the disaster period end date or the date of the event, whichever is later. The end date of XXXX fires is XXXX and the effective date of appraisal report is XXXX, more than XXXX days away from the end date of XXXX fires, condition resolved. - XXXX<br> Received appraisal report with XXXX. No specific comments or addenda were found that specifically addresses the XXXX fires from XXXX and how the subject structure and immediate area were impacted by the aforementioned disaster, if any. Please provide the requested documentation. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | Closing Detail Statement Indicator is Missing | Closing Detail Statement Indicator is Missing. Per prepayment addendum: If within TWELVE (12) months from the date the Security Instrument is executed I make a full Prepayment or one or more partial Prepayments, and the total of all such Prepayments in any 12-month period exceeds TWENTY percent 20.000 %) of the original principal amount of the loan, I will pay a Prepayment charge in an amount equal to FIVE AND 000/1000 percent (5.000%) of the amount prepaid. This equates to $XXXX. Review is recommended. The Closing Disclosure states max prepayment $XXXX. Missing the Final Closing Disclosure that shows accurate prepayment max.<br>|  | Document Uploaded. - XXXX <br> Document Uploaded. - XXXX | The executed copy of the Final CD with the accurate prepayment penalty max was provided and acceptable. - XXXX<br> Closing Detail Statement Indicator is not Missing. - XXXX<br> The Final CD with the accurate prepayment max is not executed. Provide the executed copy. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Missing Lease Agreement | DSCR is calculated using lower of lease agreement or rent survey. The lender used stated lower lease amount $XXXX. Missing the subject lease agreement that details rent $XXXX.  |  | Document Uploaded. - XXXX | The explanation of the rent used is acceptable per guidelines. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Guidelines require a maximum of 1x30 late occurrence total within the previous 12 months for the primary housing and subject property. Missing evidence of the XXXX and XXXX mortgage payments to the primary residence lender, which would be a 2x30 late occurrence worst case and outside guideline requirements. <br>|  | Document Uploaded. attached. - XXXX | Received primary housing payment history 0x30x12 due for XXXX. - XXXX<br> Housing history meets guideline requirements. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Open compliance condition <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Prepayment discrepancy: Per prepayment addendum, If within TWENTY-FOUR (24) months from the date the Security Instrument is executed I make a full Prepayment or one or more partial Prepayments, and the total of all such Prepayments in any 12-month period exceeds TWENTY percent 20.000 %) of the original principal amount of the loan, I will pay a Prepayment charge in an amount equal to FIVE AND 000/1000 percent (5.000%) of the amount prepaid. This equates to $XXXX. The Closing Disclosure provided states the max prepayment is $XXXX. Review recommended.<br>|  | Document Uploaded. - XXXX | Settlement statement version does not have this info, condition resolved. - XXXX<br> The Settlement Statement provided does not detail the prepayment penalty max or that it has been reviewed. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. File does not contain proof of new mortgage with Fundloans #XXXX for property located at XXXX. <br>|  | Document Uploaded. Copy of Note verifying P&I on XXXX attached along w/HOI and property tax information and corrected 1008 and 1003 showing correct P&I payment. Please clear condition. - XXXX | Received PITI documentation for XXXX property with no debt ratio issue. Also, property profile for XXXX showed property previously owned free & clear. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. The Settlement Statement is cutoff; therefore, some of the fees/charges are not visible. <br>|  | Document Uploaded. - XXXX<br> The FSS is the Final so if you are comparing it to an estimate and there were changes the Final is the Final. I'm not following what you need from us? Please advise. - XXXX<br> Document Uploaded. - XXXX | The signed final settlement statement has been received - XXXX<br> Please provide the signed final refinance statement. - XXXX<br> Settlement Statement provided does not match the signed Final Settlement Statement provided in loan docs. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The loan was approved under the 24 month business bank statement program. 2 different business were used in the income calculation, but only 12 months of bank statements for each business have been provided. Please provide the additional 12 months of business bank statements for XXXX and XXXX. <br>|  | Document Uploaded. Attached is the corrected lock form. This is a 12 mo bk stmt program not 24mos. as reported in error previously. Middle score has also been corrected to XXXX as new credit pulled vs gap report and scores dropped. Please clear conditions. - XXXX | Received the updated lock to show 12 month bank statements were used instead of 24 months. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The borrower was approved with a FICO score of XXXX. Per guidelines, a gap report is required and should be dated within 1 O business days of the Note date. This documentation is missing from the loan file. <br>|  | Document Uploaded. Original credit report attached. Please clear condition - XXXX<br> Document Uploaded. Attached is the corrected lock form. This is a 12 mo bk stmt program not 24mos. as reported in error previously. Middle score has also been corrected to XXXX as new credit pulled vs gap report and scores dropped. Please clear conditions. - XXXX | Documentation is sufficient - XXXX<br> Please provide the XXXX credit report that coincides with the Loan Estimate. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Missing 12 months housing history for departing residence. Per credit report borrower rented for $XXXX monthly. Guidelines require a 12 month housing history on the primary residence. Housing history does not meet guideline requirements. <br>|  | Document Uploaded. attached LOE. - XXXX<br> Document Uploaded. attached loe. - XXXX<br> Please go off updated guidelines version of XXXX. - XXXX <br> A 12 month lease agreement was provided. This should satisfy the 12 month requirement. - XXXX | Received explanation regarding housing history for departing residence at XXXX. - XXXX<br> Received borrower rent free explanation for previous residence at XXXX. However, no verification of rent or cancelled checks provided for departing residence at XXXX. Per lease agreement in file, borrower began lease XXXX, and subject loan closed XXXX per final Closing Disclosure. Please provide verification of rent or cancelled checks to evidence $XXXX monthly lease payment for XXXX or approved exception addressing the matter (borrower is not a first time home buyer). - XXXX<br> Received explanation. Subject loan closed XXXX, and the referenced guideline is well after the loan lock and closing dates. Please provide approved exception to address the matter. - XXXX<br> The lease started in XXXX, there is not a full 12 months history provided. The history should be documented with a payment history/VOR. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Credit Profile - FTHB with Mortgage History | The declarations section of the loan application reflected first time homebuyer however the credit report in file documented an active mortgage tradeline in the past XXXX years. No evidence in file borrower is not a first time home buyer. Guidelines require an approved exception for first time home buyers which was not found in file. <br>|  | On fraud report, it shows borrower owning an investment property. Borrower is not a first time home buyer. - XXXX<br> The borrower is not a first time homebuyer. Which line item specifically on the 1003 that you're seeing that borrower declared as such? - XXXX | Received explanation. Per XXXX, borrower owns property at XXXX, which was acquired XXXX and no evidence that property has transferred ownership since then. This property is not noted as a primary residence on the loan application. - XXXX<br> Section 5a, A and then the XXXX years of address history all showing renting, does not appear the borrower has a mortgage history. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. Provide signed and dated initial 1003. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX<br> The Initial 1003 is present. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. The property was owned since XXXX by XXXX parties. The borrower obtained title to the property in XXXX; however the Deed was not recorded until XXXX. The prior loan in the other 2 party's names remains on the property. Documentation in the file shows several 30-day late payments since XXXX. The subject cash out loan is paying off the other party's loan and a water UCC lien, along with cash back. It appears the mortgage on the property, since the borrower has taken title, is not acceptable per guidelines. Please provide documentation or exception to allow. <br>|  | Document Uploaded. See attached. - XXXX <br> Document Uploaded. Please see the payment history attached. The previous loan's due date is the 24th of each month. The mortgage due on XXXX was paid on XXXX, and the mortgage due on XXXX was paid on XXXX. There are no 30-day mortgage lates. - XXXX <br> Document Uploaded. - XXXX | Explanation including the 5% LTV reduction and no 60 day lates, is acceptable. - XXXX<br> The reference to "XXXX" is not the XXXX, it's the month of XXXX in the year XXXX, the credit provided shows the borrower as late, the payment history does not meet guidelines and would require an exception. Condition remains. - XXXX<br> Based on the Customer Account Activity Statement the due dates are on the 1st of the month. The payment due XXXX was not paid until XXXX. The next payment made shows it was paid on XXXX, which would appear to be the XXXX payment due. Going forward each statement reflects at least one past due monthly payment in the Explanation of Amount Due. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. Co-borrower did not submit a photo ID. Interim driver licenses are not acceptable forms of identification. <br>|  | Document Uploaded. - XXXX<br> Document Uploaded. - XXXX <br> Document Uploaded. - XXXX | Received current identification for B2. - XXXX<br> Received XXXX Act customer identification verification which documents identification using a non-photo, temporary ID and homeowner insurance, both of which are not valid forms of identification. Please provide the previously-requested documentation. - XXXX<br> Received explanation with Escrow Officer letter regarding B2 identity verification. XXXX Act Customer Identification Verification document is in file; however, Credible Witness #1 identity expiration shows as XXXX. Need Credit Witness #1 correct identity expiration date on the XXXX Act Customer Identification Verification document. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report when the credit report date exceeds 30 days from the Note Date. <br>|  | Document Uploaded. - XXXX | Received explanation. Re-reviewed guidelines and section 6.4 states the DSCR program does not require a gap credit report. - XXXX |  | XXXX | Void | 4 |  | 4 | 1 |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report when the credit report date exceeds 30 days from the Note Date. <br>|  | Document Uploaded. - XXXX | Received explanation. Re-reviewed guidelines and section 6.4 states the DSCR program does not require a gap credit report. - XXXX |  | XXXX | Void | 4 |  | 4 | 1 |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Missing Replacement Cost Estimate ,and insurance coverage including extended replacement cost is insufficient to cover the loan amount. <br>|  | Document Uploaded. - XXXX | Received Replacement Cost Estimate showing cost to rebuild of $XXXX and supports coverage on evidence of insurance is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Hazard Insurance - Other Insurance Missing | The policy verifying other property insurance is missing from the loan file. The condo insurance is walls- in. However, per guidelines Rent Loss Insurance for the subject property is required and must equal at least 6 month of local average monthly rents or actual loss. Missing rent loss documentation. <br>|  | Document Uploaded. Please see attached about HO6 insurance, "coverage of D-Loss of use: $XXXX ", which fully meets 6 months rental income. could you please help me clear this condition in your convience? Thank you for your help. - XXXX | HO6 policy provided and details $XXXX loss of use. $XXXX market rent x 6 months required = $XXXX and meets the guideline requirement. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Condo - Documentation | The loan file did not contain required condo documentation (ie. Master HOI, Condo Questionnaire, Condo Budget, Project Review). The loan file did not contain required condo documentation. Missing the Condo Questionnaire. <br>|  | Document Uploaded. - XXXX | Fannie Mae Condo project approval provided. The approval expiration date XXXX satisfies the condition. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Per guidelines, the loan file should include income calculation worksheet detailing income calculations. The loan was approved with a DSCR of XXXX. The audited DSCR is XXXX (market rent - $XXXX/ PITIA - XXXX). Please provide the DSCR calculator. <br>|  | Document Uploaded. - XXXX | 1008 with DSCR calculation provided, condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Excessive Seller Contributions | Seller Contributions XXXX%, per guidelines contribution no greater than 3%  |  | Document Uploaded. Attached exception was provided. - XXXX | Guideline- Max 3% IPC/seller concession and rural property. Loan approved with XXXX% IPC/seller concession. A formal exception is in file. - XXXX | Compensating factors- XXXX months reserves greater than program requirement. High FICO over program requirements. XXXX FICO with XXXX years PPP. XXXX months reserve | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 6 | XXXX | Compliance | TRID: Missing Loan Estimate | The Loan Estimate(s) are missing from the documents therefore I was unable to run compliance. Upon receipt additional findings may be present. <br>|  | Document Uploaded. - XXXX | Received LE - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 6 | XXXX | Compliance | Missing Service Provider List | The loan file does not contain the Service Provider List. The Service Provider List is missing from the loan documents. <br>|  | Document Uploaded. - XXXX | Received Service Provider's list. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 6 | XXXX | Compliance | Missing Doc - Homeownership Counseling Disclosure/Missing | Homeownership Counseling Disclosure is missing. The Homeownership Counseling Disclosure is missing from the Loan documents. <br>|  | Document Uploaded. - XXXX | Received Homeownership Counseling Disclosure. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 6 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 6 | XXXX | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) FCD discloses disbursement date of XXXX, however docs were not executed until XXXX and not eligible for disbursement until XXXX. Provide PCCD correcting dates. <br>|  | Document Uploaded. - XXXX | Finding resolved - XXXX<br> Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. Assisted living property - A formal exception is in file. <br>|  |  |  | Compensating factors used were Excellent FICO XXXX, Low LTV 28.947%, and Experienced investor. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Property Issue - Ineligible Property | The subject is an ineligible property and not allowed per guidelines. Subject property is a assisted living facility. Per guidelines assisted living properties are ineligible. A formal exception was done to allow. <br>|  |  |  | The exception was approved due to great LTV, borrower has owned property for some time. FICO and DTI in line with guidelines. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. Unable to locate documentation verifying XXXX is in good standing. Please provide evidence of good standing. <br>|  | Document Uploaded. - XXXX | Received satisfactory documentation - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. File does not have VOR for primary housing <br>|  | Document Uploaded. attached exception. - XXXX <br> Document Uploaded. Attached lease that was provided. Does this not suffice? - XXXX<br> Please waive condition per XXXX guidelines. - XXXX | Guidelines-Credit/Payment History § 1x30x12 mortgage on the subject property and borrower's primary residence; Any mortgages reported on the credit report must reflect a 1x30x12 payment history. All other REOs are not required to be disclosed on the 1003. § Forbearance, loan modifications, or deferrals are not considered as a credit event. If these are completed or reinstated ≥ 12 months from the Note date and having a 1x30x12 housing history, no restrictions apply Housing History § No Derogatory Housing Event allowed within one year. § LOE or rent-free letter from property owner is required for FTHB only to verify twelve-month housing history. A formal exception is in file. - XXXX<br> Lease does not validate 12 mos of rent paid/housing history per the required guidelines listed below. - XXXX<br> Per guidelines this is required. Please provide reason guideline requirement doesn't apply.<br> Credit/Payment History<br> § 1x30x12 mortgage on the subject property and borrower's primary residence; Any mortgages reported on the credit report must reflect a 1x30x12 payment history. All other REOs are not required to be disclosed on the 1003.<br> § Forbearance, loan modifications, or deferrals are not considered as a credit event. If these are completed or reinstated ≥ 12 months from the Note date and having a 1x30x12 housing history, no restrictions apply<br> Housing History<br> § No Derogatory Housing Event allowed within one year.<br> § LOE or rent-free letter from property owner is required for FTHB only to verify twelve-month housing history.<br> - XXXX | Compensating factors-High FICO over program requires. High DSCR. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines- Maximum LTV per guideline is 65% for Cash out DSCR less than 1. A formal exception is located in the loan file for an LTV of 75%. <br>|  |  |  | Compensating factors-Reserves greater than program requirements. High FICO scores over program requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | Closing Detail Statement Indicator is Missing | Closing Detail Statement Indicator is Missing. The Final CD is missing. Per prepayment addendum, SIXTY (60) months from the date the Security Instrument is executed I make a full Prepayment or one or more partial Prepayments, and the total of all such Prepayments in any 12-month period exceeds twenty percent (20%) of the original Principal amount of the loan, I will pay a Prepayment charge in an amount equal to FIVE AND 000/1000 percent (5.000%) of the amount prepaid. This equates to $XXXX. The Final Closing Disclosure states max prepayment $XXXX. Missing the final CD. <br>|  | Document Uploaded. - XXXX<br> Document Uploaded. - XXXX | The executed copy of the Final CD with the accurate prepayment penalty max $XXXX provided. This satisfies the condition. - XXXX<br> Closing Detail Statement Indicator is not Missing. - XXXX<br> Final executed CD provided, condition resolved. - XXXX<br> The Final Cosing Disclosure provided is not executed. Please provide the executed copy. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Credit Profile - Other | There are additional observations that could impact the credit decision and/or quality of the loan. The borrower is a First Time Home Buyer (FTHB). Guidelines allow FTHB, but on exception basis only. Please provide a formal exception. <br>|  | First time home buyer doesn't need any additional compensating factors. It is our own internal exception approval. - XXXX<br> Document Uploaded. attached exception. - XXXX | The borrower is a First Time Home Buyer (FTHB). Guidelines allow FTHB, but on exception basis only. A formal exception was provided. - XXXX<br> The compensating factors on the formal exception appear to be inaccurate. The audited reserves for the borrower is XXXX months and the DSCR score is XXXX. Please provide an updated formal exception form with accurate compensating factors. - XXXX<br> Disregard - condition remains open. - XXXX | Compensating Factors located in the file: 65% LTV, maximum allowed is 70%; XXXX credit score, minimum allowed is 700. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Income - Rental Property | Rental income is not properly documented and/or supported. The borrower's exit property is being converted to an investment property. The loan was approved with a rental loss of -$XXXX. The audited loss is -$XXXX based on rent of $XXXX with a 25% vacancy factor and PITI of $XXXX and HOA dues of $XXXX. This increases the DTI from XXXX to XXXX. Please provide the updated approval. <br>|  | Document Uploaded. Attached updated approval. - XXXX <br> Our UW is inquiring where you got these numbers from. - XXXX | Updated approval provided, condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Program Parameters - LTV | The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. Loan was approved as a XXXX% LTV refinance. However, per guidelines, maximum 70% LTV if any subject property unit of a refinance is vacant. Per appraisal report, one of the subject units was vacant. Although a lease is in file, no proof of receipt of rents provided. No approved exception was provided to address this matter. <br>|  | Document Uploaded. - XXXX | Re-reviewed guidelines. Appraisal report was completed XXXX and lease for unit #XXXX became effective XXXX. Per final Closing Disclosure, the subject loan closed XXXX. Guidelines only require evidence of receipt is required if the actual rents are higher than market rents. In this case, actual rents and market rents are the same. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Title - Ownership Issue | Title documents provided in the loan file reflected potential ownership issues. Vesting on security instrument does not match vesting on the title commitment. A non-borrower is vested on title per the title commitment; however, this individual did not join in the execution of the subject security instrument and no transfer deed was provided to address the matter. <br>|  | Document Uploaded. Please find the quit claim whereby the party was transferred to the borrower from the other owner. Please accept. thank you. - XXXX | Received executed Quit Claim Deed vesting title in borrower's name. Spouse joined in the execution of the Quit Claim Deed, as well as the Security Instrument. No issues noted. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within - XXXX% and all applicable appraisal guidelines were satisfied.  |  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines require two months proof of receipt of rent in the event the actual rents are being used to derive the DSCR score. However, only one month rent receipt was documented, for the XXXX payment. Per lease agreement, lease began XXXX with first month rent of $XXXX and was not documented. Guidelines cap the use of higher, actual rents at XXXX% of the market rent estimate. If not documented, borrower's credit score of XXXX is insufficient to meet minimum XXXX FICO score for DSCR scores between 0.75 and 1.0. No approved exception was provided to address the matter. <br>|  | Document Uploaded. Hello, please find the lease agreement. The last page reflects the deposit and first months rent of $XXXX Or $XXXX + $XXXX=$XXXX. It appears to have been remitted prior to the execution of the lease, which can happen. The remitter of XXXX XXXX XXXX XXXX is the same party on the lease. Pay to the order of XXXX XXXX. Same format as the XXXX rent check. Please clear the condition. Thank you.<br> Please accept. - XXXX | Received proof of first month's rent and security deposit due at lease signing in the total amount of $XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Income was based on comingled personal and business bank statements. Guidelines state if both personal and business accounts present income must be based on only business account deposits. Formal exception was done to allow. <br>|  |  |  | The exception was approved due to credit score XXXX+ points > minimum required - XXXX (GL XXXX); LTV 10% less than max- 65% (GL XXXX); self-employed for XXXX yrs 4XXXX month> 5 years; current primary home ownership XXXX years> 2 years. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. Subject is a rural property. There are no comps within 5 miles of the subject. Formal exception was done to allow. <br>|  |  |  | The exception was approved due to credit score XXXX+ points > minimum required - XXXX (GL XXXX); LTV 10% less than max- 65% (GL XXXX); self-employed for XXXX yrs 4XXXX month> 5 years; current primary home ownership XXXX years> 2 years. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The 12 month mortgage history for borrower's primary residence is missing from the file. Please provide a 12 month mortgage history. <br>|  | Document Uploaded. Please see the certification regarding the primary residence is in the name of other parties'. The borrower has been residing rent free for a couple of years. I have provided an updated 1003 as well. Please clear. Thank you. - XXXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br> Received satisfactory documentation. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Unable to locate a Replacement Cost Estimate for the subject property to determine if the coverage is sufficient. Please provide evidence confirming sufficient coverage. <br>|  | Document Uploaded. - XXXX | Lender provided correspondence indicating they are using the lower cost new estimate of $XXXX to determine sufficient hazard insurance coverage. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | DSCR does not meet Guidelines | The subject DSCR does not meet guideline requirements. Per review of tax & ins information sheet in file County tax quarterly $XXXX\*4/12=$XXXX; city tax quarterly $XXXX\*4/12=$XXXX..Total monthly tax $XXXX vs originator/approval $XXXX. Due to the huge discrepancy rent $XXXX/pitias $XXXX=XXXX. This is below 1.00, which per guidelines max LTV 75% for purchase. <br>Will need to clarify the correct tax amount to be used and/or provide exception for LTV exceeding guidelines. <br>|  | Document Uploaded. Hello i have confirmed only one set of taxes associated with the property. Please see their email/tax bill sent by them (matches tax bill in file). Please see the certification and there is sufficient rent loss insurance. Please accept. Thank you. - XXXX | documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Mortgage Insurance - Insufficient | The mortgage insurance certificate in the loan file was not sufficient. Per guidelines 6 mos rent loss insurance required. $XXXX. <br>|  | With the correct amount of taxes, the piti is $XXXX. $XXXXx 6 months yields $XXXX. On the first page of the hazard insurance policy, the rent loss insurance is $XXXX. This amount is sufficient. Please clear the condition. Thank you. - XXXX<br> Document Uploaded. Hello i have confirmed only one set of taxes associated with the property. Please see their email/tax bill sent by them (matches tax bill in file). Please see the certification and there is sufficient rent loss insurance. Please accept. Thank you. - XXXX | Per guidelines-Rent Loss Insurance: 6 months rent loss insurance required. This guideline is interpreted per approval/rebuttal based on XXXX's, therefore will clear/resolve finding. Typically this is based on the rents received, but being there isn't a specific on what is used to calculate moving fwd with XXXX's. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Condo - Master Policy Insufficient | The master hazard insurance policy verified total coverage which was not sufficient to cover total required coverage. Insufficient property coverage for total number of units in project on Master Policy for XXXX. The file has a formal exception. <br>|  |  |  | Loan approved based on credit score XXXX+ points > then the minimum required of 680, LTV/CLTV is 10% or more below the maximum allowed under applicable guidelines 60% (85%), 0x30x48+, residual income is 2x minimum requirement of $XXXX. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. It appears the borrower had a gap in employment from XXXX - XXXX. Please provide a letter of explanation regarding the borrower's gap in employment. <br>|  | Document Uploaded. Please find the additional paystub and gap letter. My apologies. thank you. XXXX - XXXX<br> Document Uploaded. Please find gap letter. Please clear condition. Thank you. - XXXX | Income and Employment Meet Guidelines - XXXX<br> Received satisfactory documentation. - XXXX<br> Correspondence indicate the gap in employment letter and an additional paystub was provided, but they were not included with the condition. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file to allow Borrower who does not own a primary residence (living rent free with Spouse; mortgage is in Spouse's name) but does own other investment properties. Per guidelines Borrowers are required to own a primary residence when subject is vacant. <br>|  |  |  | Compensating factors listed as Depth of the prior housing history and no derogatory credit history. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | 1 of 6 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | 2 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | 3 of 6 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Per guidelines, the minimum square footage of a condotel is XXXX square feet. The subject property is XXXX. A formal exception is located in the loan file. <br>|  |  |  | Credit score is XXXX+ points greater than the minimum required. LTV/CLTV is 10% or more below the maximum allowed under applicable guidelines. DTI of 42% when the guideline requirement is 50%. Reserves XXXX+ months greater than the minimum required. Residual income of $XXXX is greater than the guideline requirement of $2500. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | 4 of 6 | XXXX | Credit | Borrower - Residency Alien Documentation | The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. The borrower is a Permanent Resident and has a I-512 that expires XXXX. Guidelines require expiration greater than 3 years. Formal exception done to allow. <br>|  |  |  | Credit score is XXXX+ points greater than the minimum required. LTV/CLTV is 10% or more below the maximum allowed under applicable guidelines. DTI of 42% when the guideline requirement is 50%. Reserves XXXX+ months greater than the minimum required. Residual income of $XXXX is greater than the guideline requirement of $2500. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | 5 of 6 | XXXX | Credit | Condo - Master Policy Insufficient | The master hazard insurance policy verified total coverage which was not sufficient to cover total required coverage. Condo insurance is less that $XXXX for hurricanes and water damage deductible is $XXXX per unit equal to only 21% of policy face value. Formal exception was done to allow. <br>|  |  |  | Credit score is XXXX+ points greater than the minimum required. LTV/CLTV is 10% or more below the maximum allowed under applicable guidelines. DTI of 42% when the guideline requirement is 50%. Reserves XXXX+ months greater than the minimum required. Residual income of $XXXX is greater than the guideline requirement of $2500. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | 6 of 6 | XXXX | Credit | Gift Letter - No Evidence for Transfer of Funds | No evidence of the transfer of gift funds from the donor to the borrower was located in the file. The transfer of gift funds from XXXX to the borrower is missing from the loan file. <br>|  | Document Uploaded. Please see the certification. There is sufficient documentation in file to confirm transfer of the funds from the donor to the recipient. Please clear. Thank you. - XXXX | Documentation is sufficient - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, unique properties are not allowed. The subject property is considered a unique property in that the appraisal comps are not similar to the subject property. A formal exception is located in the loan file. <br>|  |  |  | The borrower's credit Score is XXXX+ points greater than the minimum required. Residual income is XXXX times the minimum required. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Credit | Missing VVOE dated within 10 days consummation | The current VOE is dated XXXX and the Note date is XXXX.  |  | Document Uploaded. Please see re-verification showing borrower has remained employed. Thank you! - XXXX | updated verification has been received. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. The certificate of good standing for XXXX is missing from the loan file. <br>|  | Document Uploaded. Please find attached certification indicating the printout from the Secretary of State signifies the company is in good standing. Please accept. thank you. - XXXX | Documentation provided is sufficient - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. The fraud report indicates a mortgage with the XXXX, but the payment history is missing, as is other documentation showing that the property was paid in full, from the loan file. <br>|  | The property report provided shows no open liens. Documentation is sufficient. - XXXX<br> Document Uploaded. Hello, per Fraudguard the property in question is XXXX. I am uploading an open lien report for the property. There are no open liens noted for this property. There are no mortgages noted on the credit report, either. There is sufficient documentation in file to clear the condition. Please clear. Thank you. - XXXX <br> Please confirm that the property in question is XXXX. This is the property that has a mortgage with XXXX. Thank you. - XXXX | The property report provided shows no open liens. Documentation is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The letter explaining the reason for the cash out is missing from the loan file. <br>|  | Document Uploaded. Please find attached the certification indicating that a cash out letter is not required per guidelines. The Business Affidavit and Occupancy is required-I have attached. Please clear the condition. Thank you. - XXXX<br>| documentation provided is sufficient - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The borrower does not own the primary residence when the subject transaction is a purchase of an investment property - A formal exception is in file. However, the following compensating factor was cited but cannot be supported by the documents in file: Mortgage history no late payments for XXXX months on the subject mortgage. The subject transaction is a purchase. Provide a revised Exception Report omitting the aforementioned compensating factor. <br>|  | Document Uploaded. XXXX disagrees with the finding. The XXXX months of mortgage history is reflected on the credit report and is associated with the primary residence. So the compensating factor is met. An updated exception form is not required. Thank you. - XXXX | Primary residence is not owned on an investment transaction - A formal exception is in file. - XXXX | Compensating factors used were Credit score is over XXXX points more than the minimum required score of 700, Mortgage history XXXX months paid as agreed per credit report, and Loan to Value is 5% or more below the maximum allowed under the applicable guidelines at 65% LTV. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The subject transaction is an investment property purchase and the homeowner insurance does not specifically state XXXX months of rental loss coverage is included in the policy. However, the following compensating factor was cited but cannot be supported by the documents in file: Mortgage history no late payments for XXXX months on the subject mortgage. The subject transaction is a purchase. Provide a revised Exception Report omitting the aforementioned compensating factor. <br>|  | Document Uploaded. XXXX disagrees with the finding. The XXXX months of mortgage history is reflected on the credit report and is associated with the primary residence. So the compensating factor is met. An updated exception form is not required. Thank you. - XXXX | Rental loss insurance coverage not specifically state 6 months of rental loss coverage is included in the policy - A formal exception is in file. - XXXX | Compensating factors used were Credit score is over XXXX points more than the minimum required score of 700, Mortgage history XXXX months paid as agreed per credit report, and Loan to Value is 5% or more below the maximum allowed under the applicable guidelines at 65% LTV. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. Per appraisal report, the subject property is identified as "rural". The guidelines state rural properties are ineligible per guidelines, and no approved exception was provided to address the matter. <br>|  | Document Uploaded. Please find the exception form approving the rural property. Thank you. - XXXX | Rural property ineligible per guidelines - A formal exception is in file. - XXXX | Compensating factors used are XXXX months mortgage history paid as agreed per credit report, Credit Score over XXXX points more than the minimum requirement, LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | Closing Detail Statement Indicator is Missing | Closing Detail Statement Indicator is Missing. Final Closing Disclosure or Final Alta Settlement Statement. <br>|  | Document Uploaded. Hello please find the final CD and Final Alta. Thank you. - XXXX | Received final Alta Settlement Statement. - XXXX<br> Closing Detail Statement Indicator is not Missing. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Credit Profile - Other | There are additional observations that could impact the credit decision and/or quality of the loan. Missing borrower's current identification as of subject loan close date. <br>|  | Document Uploaded. Please find the XXXX Disclosure. Thank you. - XXXX | Received executed Patriot Act Disclosure reflecting current identification. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Borrower(s) total verified assets are insufficient for cash to close or reserves. $XXXX in total assets was verified, when per final Alta Settlement Statement, the borrower was required to bring in $XXXX to close and $XXXX was required for reserves. As a result, $XXXX minimum assets still need to be verified. Per loan application, the cash value of life insurance was to be used as an asset source; however, documentation was not found in file.  |  | Document Uploaded. Please find the certification regarding heloc funds. I have attached the heloc statement, bank statement where transferred, check for closing. Please accept and clear the condition. Thank you. - XXXX <br> Document Uploaded. Please see the attached certification. I have provided a breakdown of assets, the remaining reserves noted. There are sufficient reserves for the 3 months required guideline. Please accept. Thank you. - XXXX | Received explanation with documentation to show $XXXX deposited from borrower account to the settlement agent. $XXXXdeposit included in asset count as guidelines do not require large deposits to be sourced and it is clear the $XXXX deposit was part of the $XXXX that was deposited with the settlement agent. - XXXX<br> Received explanation with documentation. $XXXX of the assets noted in explanation are coming from a HELOC secured on the primary residence. Please provide documentation to show the $XXXX disbursement from the HELOC account transferring to the borrower or wired to the settlement agent. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The calculated DSCR is .617 ($XXXX/$XXXX). The minimum DSCR allowed is .750. It appears the lender used a higher rent value from a partial appraisal report, which was not provided in full. Please provide a full copy of the appraisal report and clarify how the lender felt comfortable using the higher rent of $XXXX.  |  | There is no full appraisal report to go with this order. The first appraiser completed the 1007- using only XXXX% of annual rents- and would not make any changes. This is not accurate for the market and cut annual leases in half. Therefore, we obtained a separate 1007 to support annual market rents which is the accurate assessment and was used in the DSCR. Please clear. Rationale has been sufficiently provided. - XXXX <br> Document Uploaded. - XXXX <br> Please see attached and this is the Underwriter's rationale for using $XXXX/mo: The 1007 that reflected $XXXX/mo used rental comparable which is based on annual leases and cut the annual lease in half and then divided by 12 months. Since these are annual leases, the thought process to reduce by 50% does not make sense. That and knowledge of the local market in XXXX, support using the $XXXX/mo market rents. - XXXX <br> Document Uploaded. Please find the attached updated appraisal reflecting market rent of $XXXX. It appears that rent comparables reflecting higher rents were provided. Please accept and clear the condition. thank you. - XXXX | Lender confirmed there is no full appraisal report; only a 1007 was completed. - XXXX<br> Received lender's rationale regarding the use of the higher rental income of $XXXX, but missing a full copy of the appraisal report completed by XXXX. - XXXX<br> Received the same partial appraisal report, which reflects an estimated value of $XXXX. The rental comps on the 1007 completed by XXXX are actually lower than the 1007 completed by the original appraiser, XXXX (Appraised Value of $XXXX). Please provide a complete copy of the appraisal report completed by XXXX and clarify how the lender felt comfortable using the higher rent of $XXXX to qualify. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Escrow Account - Missing | The loan file did not verify an established escrow account for taxes and insurance as required. The final Closing Disclosure reflects the hazard insurance were not impounded. Guidelines require an exception to waive impounds. Please provide an exception waiving the impounds for the hazard insurance. <br>|  | Sending over the updated guidelines for DSCR Investor Solutions 1 as well. This program also does not require an escrow waiver. Thank you. - XXXX <br> Please utilize XXXX DSCR Investor Solutions 3 Program guidelines dated XXXX that do not require an exception. There is no exception form needed in this case. If the criteria is met, the loan can proceed without an exception forms processed. Please clear. Thank you. - XXXX <br> Document Uploaded. Please find a certification regarding escrow waiver. The loan meets the criteria for an escrow waiver. Please clear the condition. Thank you. - XXXX | Received confirmation using DSCR Investor Solutions 1 Program Guidelines rev 133 dated XXXX. <br> - XXXX<br> The loan approval and the tape reflect the subject loan was approved under the DSF30 loan program. The guidelines cited in the correspondences are referring to XXXX DSCR Investor Solutions 3 Program (DS3F30) dated XXXX. The DSCR Investor Solutions 1 Program Guidelines (DSF30) dated XXXX require an exception to waive the escrow account. Please provide clarification if the subject loan has been switched to the XXXX DSCR Investor Solutions 3 Program (DS3F30). - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Missing Property Tax Cert | Missing property tax cert. The tax cert supporting monthly taxes of XXXX/month is missing from the loan file. <br>|  | Document Uploaded. The tax bill provided is lower at $XXXX annually. If you look at the 2nd page, taxes without exemptions are: XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX. Total of $XXXX. $XXXX/12 months is $XXXX monthly. Matches the amount used. Please clear the condition. Thank you. - XXXX <br> Document Uploaded. The tax bill provided is lower at $XXXX annually. If you look at the 2nd page, taxes without exemptions are: XXXX $XXXX, XXXX $XXXX, XXXX $XXXX, XXXX $XXXX. Total of $XXXX. $XXXX/12 months is $XXXX monthly. Matches the amount used. Please clear. Thank you. - XXXX | Tax bill provided, value used is supported and condition is resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines, A primary residence owned free & clear requires a Property Profile Report or similar documentation to verify no payment. This documentation is missing from the loan file for XXXX. <br>|  | Document Uploaded. Hello, please find a certification regarding vom for the primary residence. There is a heloc with XXXX that is associated with the primary residence. The history is on the credit report and there is an April statement validating payment as well. Please clear. Thank you. - XXXX | Clarification provided, primary residence has a HELOC associated to it and there is sufficient history on the credit report, condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History does not meet guideline requirements. The mortgage statement and payoff letter reflect a deferred balance of $XXXX. Unable to determine if the deferral meets guidelines. Please provide documentation verifying the deferral meets the 48 months seasoning requirement. <br>|  | Document Uploaded. This is related to a Covid Forbearance. Please see attached. There is no seasoning issue on this file. All seasoning is met. Please clear condition. Thanks<br> New note date XXXX = XXXX LOE states <br> " Your monthly mortgage payment amount of $XXXX has been placed on a temp forbearance for a period of XXXX month, beginning date XXXX - XXXX | Satisfactory document received - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | PUD Rider is Missing | PUD Rider is missing. <br>|  | Document Uploaded. Please find attached Intent to Record for the signed Pud Rider. Please clear. Thank you - XXXX<br> Document Uploaded. Hello, please find the signed PUD Rider. Please clear the condition. Thank you. - XXXX | Received - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Per loan approval-If we are unable to obtain 12 months from MRC/United Wholesale, we will need a VOR for the previous residence. CBR only validates XXXX mos for address XXXX. Will need VOR for XXXX mos on XXXX rent $XXXX  |  | Document Uploaded. Hello please find attached the certification verifying that there is 12 months of payment history. 10 months noted on the credit report, 1 month on the bank statement and 1 month of the mortgage statement. Total 12 months. Please clear the condition. Thank you. - XXXX | documentation meet guideline requirements - XXXX<br> Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. Mortgage Eligibility: Loan purpose seasoning does not meet guideline requirements - A formal exception is in file. <br>|  |  |  | Compensating factors used are primary mortgage history paid as agreed since XXXX and DSCR score exceeds 1.25. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Provide insurance company correspondence indicating the policy coverage is sufficient to replace the structure. The subject loan amount exceeds the stated insurance coverage amount on the insurance policy. The appraisal report provided did not include the estimated cost new of the structure, and the evidence of insurance provided did not state the dollar amount of the structure replacement cost. <br>|  | Document Uploaded. Please see the cost estimator and part of the homeowner's policy regarding replacement cost. The homeowner's policy reflects sufficient coverage. Please clear the condition. Thank you. - XXXX | Received Checklist of Coverage for hazard policy which specifies $XXXX coverage is based on replacement cost. Also, received CoreLogic SwiftEstimator which estimated the replacement cost of the structure as $XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Guidelines require for 1099 income that if the 1099 reporting period is greater than 90 days from the Note date, then year-to-date earnings must be documented and support the ongoing receipt of income shown on the 1099's. Please provide year-to-date evidence of income receipt for XXXX, XXXX, and XXXX to support earnings used to qualify. <br>|  | Document Uploaded. Please see documentation of year to date earnings for XXXX, XXXX and XXXX. Please accept and clear the condition. Thank you. - XXXX <br> Document Uploaded. Please find the certification regarding the income for the three sources. Please accept. Thank you. - XXXX | Received YTD earnings information for XXXX, XXXX, and XXXX along with explanation regarding XXXX and XXXX fluctuations. Concur that drivers will work for the service that is offering better incentives at the time. XXXX and XXXX earnings combination supports the combined earnings calculated in qualifying for XXXX and XXXX driving. WVOE for XXXX year to date earnings supports qualifying earnings for this income source. <br> - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 7 | XXXX | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. The DOT is in the file but is not legible. <br>|  | Document Uploaded. Please find a better copy of the mortgage and attachments. Please clear the condition. Thank you. - XXXX | documentation meet guideline requirements - XXXX<br> The Deed of Trust has been provided. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 7 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. The Final HUD is in the file but it is not legible. Final HUD-1 Document is Missing. Final HUD-1 Document is Missing. <br>|  | Document Uploaded. Please find the attached signed final closing disclosure. Please clear the condition. Thank you - XXXX | Final HUD-1 Document is not missing or estimated only. - XXXX<br> documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 7 | XXXX | Credit | DTI - Missing Debts/ DTI Exceeds Tolerance | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. Calculated DTI is greater than DTI underwriter has. Appears underwriter did not include rental income or count all liabilities. <br>|  | Documentation meet guideline requirements. Final DTI 42.49% vs 38.98% variance in updated originator is the amount of PITIAS used for subj XXXX and REO XXXX. Still within guideline DTI approval. - XXXX<br> Document Uploaded. Please find documentation for XXXX for $XXXX. Also, please find the lease for XXXX and 1007 for XXXX. Please clear the condition. Thank you. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. Please find attached the breakdown for the properties as requested. Please clear the condition. Thank you. - XXXX <br> Please clarify what debts/rental income are not included in the calculation. Thank you - XXXX <br> Please clarify what debt or properties were not included in the DTI calculation. Please advise of the recalculated Dti. Thank you. - XXXX | Documentation meet guideline requirements. Final DTI 42.49% vs 38.98% variance in updated originator is the amount of PITIAS used for subj XXXX and REO XXXX. Still within guideline DTI approval. - XXXX<br> Audit DTI current 47.32%. No lease/rent for XXXX $XXXX in file. Correct Pitias $XXXX (PI XXXX + tax XXXX + Ins XXXX + HOA XXXX). Please provide rental agreement for $XXXX. Subject XXXX Pitias $XXXX (PI XXXX + tax XXXX + Ins XXXX + HOA XXXX), rent $XXXX/($XXXX) negative rent subject property does not match originator. All other properties were match/in line with originator calculation.<br>With current updates DTI below guideline 50%, but doesn't match originator updated 38.98% - XXXX<br> 1. XXXX-negative rent ($XXXX)<br> 2. XXXX-negative rent ($XXXX)<br> 3. XXXX-negative rent ($XXXX)<br> 4. XXXX-negative rent ($XXXX)<br> 5.XXXX-negative rent ($XXXX)<br> 6. XXXX-positive rent ($XXXX)<br> 7.XXXX-positive rent ($XXXX)<br> 8. XXXX-positive rent ($XXXX)<br> 9. XXXX-positive rent ($XXXX)<br> 10. XXXX-positive rent ($XXXX)<br> 11. XXXX-positive rent ($XXXX)<br> Other REO Total rent loss-$XXXX<br> Subj rent loss-$XXXX<br> CBR liaibilities-$XXXX<br> Primary Pitias-$XXXX<br> Total liaiblities-$XXXX vs $XXXX (XXXX + XXXX) used on final 1008<br> - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 7 | XXXX | Credit | Missing Lease Agreement | Originator to provide lease agreements for rental properties or tax returns if applicable.<br> 1. XXXX<br> 2. XXXX <br> 3. XXXX<br> 4. XXXX |  | Document Uploaded. Please see lease on XXXX and XXXX - XXXX | documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 7 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. 1. mortgage statement for XXXX is missing <br> 2. hazard insurance statement for primary XXXX <br>|  | Document Uploaded. Please find the executed Hud1 for XXXX. Please see the master insurance policy for XXXX. There is no guidelines in file indicating that a H06 is required. There is no H06 for XXXX. Please clear the condition. Thank you. - XXXX | documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 7 of 7 | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. rental property income/loss was not factored into underwriter's income <br>|  | Document Uploaded. Please find documentation for XXXX for $XXXX. Also, please find the lease for XXXX and 1007 for XXXX. Please clear the condition. Thank you. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. Please find attached the breakdown of the properties and supporting the DTI used. Thank you. - XXXX<br> Please clarify which rental property rental income/loss was not included. Please provide the specific property not included in DTI. Thank you. - XXXX | Documentation meet guideline requirements. Final DTI 42.49% vs 38.98% variance in updated originator is the amount of PITIAS used for subj XXXX and REO XXXX. Still within guideline DTI approval. - XXXX<br> Audit DTI current 47.32%. No lease/rent for XXXX $XXXX in file. Correct Pitias $XXXX (PI XXXX + tax XXXX + Ins XXXX + HOA XXXX). Please provide rental agreement for $XXXX. Subject XXXX Pitias $XXXX (PI XXXX + tax XXXX + Ins XXXX + HOA XXXX), rent $XXXX/($XXXX) negative rent subject property does not match originator. All other properties were match/in line with originator calculation.<br>With current updates DTI below guideline 50%, but doesn't match originator updated 38.98% - XXXX<br> 1. XXXX-negative rent ($XXXX)<br> 2. XXXX-negative rent ($XXXX)<br> 3. XXXX-negative rent ($XXXX)<br> 4. XXXX-negative rent ($XXXX)<br> 5.XXXX-negative rent ($XXXX)<br> 6. XXXX-positive rent ($XXXX)<br> 7.XXXX-positive rent ($XXXX)<br> 8. XXXX-positive rent ($XXXX)<br> 9. XXXX-positive rent ($XXXX)<br> 10. XXXX-positive rent ($XXXX)<br> 11. XXXX-positive rent ($XXXX)<br> Other REO Total rent loss-$XXXX<br> Subj rent loss-$XXXX<br> CBR liaibilities-$XXXX<br> Primary Pitias-$XXXX<br> Total liaiblities-$XXXX vs $XXXX (XXXX + XXXX) used on final 1008<br> - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Credit Profile - Alerts | The credit report contain alerts which have not been adequately addressed in the loan file. There is a fraud alert on the credit report. Documentation that the borrower has been contacted is missing from the loan file. <br>|  | Document Uploaded. Please see the certification where the borrower was contacted regarding the credit alert. Thank you. - XXXX | Documentation provided is sufficient - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. Documentation reflecting the ownership percentage of XXXX is missing from the loan file. <br>|  | Document Uploaded. Please find attached certification, annual report and formation documents confirming that the borrower is the sole owner of the business. Please accept the documentation and clear the condition. Thank you. - XXXX | Evidence of business management and ownership provided, condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide clarification why the title, the recorded deed, and the fraud report online transaction history states the full purchase price of $XXXX of the contract for deed, versus VOM have original mortgage amount $XXXX, with a payoff amount of $XXXX. <br>|  | Document Uploaded. Please find attached the certification explaining the discrepancy between the land contract price and payoff. Please clear. Thank you. - XXXX | Explanation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. Rural property does not meet guidelines. A formal exception is in the file. <br>|  |  |  | The exception was approved based on residual income of $XXXX, a credit score XXXX+ points above the maximum, and a DTI much less than 40%. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Condition added <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Unable to locate the HUD 1/ Closing Disclosure. <br>|  | Document Uploaded. - XXXX | documentation meet guideline requirements - XXXX<br> Final HUD-1 Document is not missing or estimated only. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. The Alta Settlement Statement is not signed by the borrowers. <br>|  | Document Uploaded. Per escrow, the final settlement statement has never been a requirement to be signed. Please see attached signed estimated settlement statement - XXXX <br> Document Uploaded. - XXXX | Signed Estimated Settlement Statement and Certified Settlement Statement provided. - XXXX<br> The Alta Settlement Statement is not signed by the borrowers. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. There is no 12 month housing history in the last XXXX years. Exception was referenced for approval provided XXXX months reserves are verified; however, no formal approved exception was found in file. Also, please provide compensating factors on the formal exception. <br>|  | Document Uploaded. - XXXX | Less than 12 months housing history on the subject property - A formal exception is in file. - XXXX | Compensating factors used are Experienced Investor, XXXX FICO, and No Mortgage Lates. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Borrower(s) total verified assets are insufficient for cash to close or reserves. $XXXX of assets are verified; however, $XXXX in reserves plus funds to close were required ($XXXX reserves, $XXXX funds to close), resulting in an asset shortage of $XXXX. Per referenced exception, XXXX months of reserves were required due to insufficient mortgage history documented per guidelines.  |  | Document Uploaded. - XXXX | Received approved Exception Report reflecting 6 months reserves. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. There were gifts given to the borrower totaling $XXXX, resulting in less than a 5% borrower contribution, and the LTV is 90%. Per guidelines, Gift funds are acceptable for loans >=75% LTV / CLTV however the underlying Borrower(s) must contribute at least 5% of the transaction from their own funds. <br>|  | Document Uploaded. - XXXX | Response is sufficient - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Unable to locate the tax documentation for $XXXX annually used in the approval. <br>|  | Document Uploaded. - XXXX<br> Document Uploaded. Please advise if the attached 1008 will suffice. If not, please advise the exact documentation to clear the findings. - XXXX <br> Per our team, this loan is a non-escrow account, and we will not make any disbursement. Please advise. - XXXX | documentation meet guideline requirements - XXXX<br> Provide documentation validating the tax amount used in approval $XXXX annually/$XXXX monthly - XXXX<br> Regardless of non escrow we are to still validate with documentation the PI, Taxes, HOI, and HOA if applicable. The full pitia's is used to determine DSCR calculation. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. There are several uncleared alerts shown on the fraud report. <br>|  | Document Uploaded. - XXXX<br>| per documentation high alerts cleared XXXX. documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Housing history evidenced by twelve (12) months proof of payment via cancelled checks, bank debits or institutional VOR. Private Party VORs / VOMs only will be considered on a case-by-case basis and will require an exception approval, subject to an LLPA. The file contained only XXXX months of proof of rent payments and no exception. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate the 3rd party valuation. <br>|  | Program guidelines did not require a CDA due to CU score being under 2.5. Attached CU report. - XXXX | FNMA property report provided, score XXXX is sufficient for secondary valuation product, condition is resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Hello - Our loans do not include an approval/UW summary - XXXX | Executed Loan Agreement is used in lieu of loan approval/1008. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Missing Property Tax Cert | Missing property tax cert. <br>|  | Document Uploaded. Please see the attached - XXXX | Received subject property tax cert from XXXX County Tax Collector - no issues noted. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing XXXX months housing history to support 0x30 in the past 124 months per guideline requirements. <br>|  | Hello - This is not a requirement per our guidelines - XXXX | Guideline clarification received XXXX which required subject property housing history only and not primary housing. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Missing HOA/Condo Certification | There appears to be discrepancies between the HOA Project Questionnaires and the appraisal report regarding the number of units in the project, owner occupied units, investor owned units and the number of units owned by a single entity. Unable to determine if the condo project is warrantable. Please provide clarification and confirm the condo project is warrantable. <br>|  | Hello - Subject property should be marked as non-warrantable. Thank you - XXXX | Project is non-warrantable, condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Guidelines require 24 month history for primary residence, which was missing from file. <br>|  | Hello - Guidelines do not require this. That is only if the credit in file does not meet age requirements which is not the case with the Education loans being open for XXXX months. - XXXX | Guideline clarification received XXXX which required subject property housing history only and not primary housing. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing XXXX month housing history for primary residence. <br>|  | Hello - Guidelines do not require this. That is only if the credit in file does not meet age requirements which is not the case with the Education loans being open for XXXX months. - XXXX | Guideline clarification received XXXX which specified subject property housing history only required and not primary residence. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Missing the required Certificates of Formation (filed articles of organization/incorporation).<br>|  | Document Uploaded. Please see the attached. - XXXX | Certificate of Formation provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing XXXX month housing history for primary residence. <br>|  | Hello - This is a business purpose loan. There is no requirement in our guidelines based on the borrowers primary residence. - XXXX | Guideline clarification received XXXX that stated subject property housing history only required and not primary residence. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Coverage amount noted is $XXXX when loan amount is $XXXX. Need replacement cost estimate to support coverage of $XXXX will rebuild subject structure.  |  | Document Uploaded. Hello - Valuation provided as replacement cost (Per binder), confirmed by agent that XXXX is 100% replacement. - XXXX | Policy reflects in the coverage form section that includes replacement cost - XXXX<br> Received Insurance Binder which was already in file and reflects $XXXX coverage. The binder does not state the $XXXX is the replacement cost of the structure nor was a replacement cost estimate (RCE) provided to support $XXXX coverage was sufficient to cover structure rebuild. In addition, $XXXX coverage for Loss of Rent was noted, which is XXXX months of subject PITIA when guidelines require a minimum of 6 months rental loss coverage. Please provide RCE or written insurance company confirmation that the $XXXX is the replacement cost of the structure, in addition to providing documentation to support the subject has a minimum of 6 months rental loss coverage per guideline requirements. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing recent housing history verification for both Primary Residence and Subject Property. <br>|  | Document Uploaded. VOM and Lease Affidavit for subject property attached. We do not require a VOM for the borrowers residence. - XXXX | Guideline clarification received XXXX which stated subject property housing history only required and not primary residence. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Unable to locate a 12 month mortgage history for XXXX (primary residence). Please provide a 12 month mortgage history. <br>|  | Document Uploaded. Attached. - XXXX<br> Guideline per XXXX. - XXXX <br> Please waive per updated guidelines. - XXXX | Received 12 month mortgage history - XXXX<br> The Note Date is XXXX. The guidelines dated XXXX would not be applicable. Note: The guidelines dated XXXX require a payment history of 1x30x12 mortgage on the subject property and borrower's primary residence. Please provide 12 month mortgage history for XXXX (primary residence). - XXXX<br> Unable to determine which updated guidelines lender is referring to. The guidelines dated XXXX require a 12 month payment history on the primary residence. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | Closing Detail Statement Indicator is Missing | Closing Detail Statement Indicator is Missing. Unable to locate the final settlement statement. Please provide the final settlement statement. <br>|  | Document Uploaded. Attached was provided. - XXXX | Received settlement statement. - XXXX<br> Closing Detail Statement Indicator is not Missing. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Title Commitment - Other | There are additional findings regarding the title commitment. Missing a complete copy of the preliminary title report. <br>|  | Document Uploaded. See attached. - XXXX <br> Could you clarify which part is missing? I provided the entire title report. - XXXX | Received complete copy of prelim. - XXXX<br> The file does not contain a preliminary title report. Please provide the preliminary title report. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Corporate OR Partnership: Names and ownership percentages for Partners & Limited Partners is Incomplete | The documentation in file to verify the corporate or partnership names and ownership percentages for partners and limited partners is incomplete. XXXX and XXXX and CPA letter do not specify Guarantor's percentage of ownership. A bank account in the name of this corporation is being used as an asset source. If this information is not confirmed, Guarantor will have insufficient assets documented for funds to close and reserves. <br>|  | Document Uploaded. Attached. - XXXX | Received CPA letter indicating Guarantor is 100% corporate owner. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Property Title Issue | Property title issue. Provide title supplement or final title policy to show items #XXXX Vendor's Lien $XXXX, #XXXX Mechanic's Lien $XXXX, and Mechanic's Lien $XXXX have been removed. No evidence was in file to show the aforementioned liens were paid off and that subject would be in first lien position. <br>|  | Document Uploaded. - XXXX <br> Document Uploaded. Please see the attached. - XXXX | Received demand for $XXXX mechanic's lien, which was settled for $XXXX. Payoff to Consolidated Reinforcement was padded showing in the amount of $XXXX on final XXXX for loan XXXX (Unit XXXX). Also received demand for $XXXX vendor's lien. Final Alta settlement statements for loans XXXX, XXXX, and XXXX show equal disbursements in the amount of $XXXX, totaling $XXXX which included padding, payable to XXXX per demand provided. Total payoff through XXXX was $XXXX with $XXXX per diem. $XXXX in padding does not impact LTV nor cash out requirements per guidelines. - XXXX<br> Document Uploaded. - XXXX<br> Received release for $XXXX mechanic's lien which is satisfactory to address this title item. However, the Lender's Closing Instructions and Ledger are insufficient to address the $XXXX mechanic's lien and $XXXX vendor's lien. Please provide any of the following in order to satisfactorily address the $XXXX mechanic's lien and $XXXX vendor's lien showing on the Title Commitment: 1) Title Supplement removing the liens from the Title Commitment, 2) Final Title Policy reflecting subject in first lien position and the aforementioned liens not on the Title Policy, 3) Executed and notarized releases that show evidence that the aforementioned liens have been satisfied; the amounts and the recording information on the releases must reconcile with the Title Commitment, 4) Demands with proof of payoff made on the aforementioned liens; the amounts and the recording information on the demands must reconcile with the Title Commitment and demands must be issued by authorized representatives. The proof of payoff must reconcile with the demands issued by authorized representatives. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Property Title Issue | Property title issue. Provide title supplement or final title policy to show items #XXXX Vendor's Lien $XXXX, #XXXX Mechanic's Lien $XXXX, and Mechanic's Lien $XXXX have been removed. No evidence was in file to show the aforementioned liens were paid off and that subject would be in first lien position. <br>|  | Document Uploaded. - XXXX <br> Document Uploaded. Please see the attached. - XXXX | Received demand for $XXXX mechanic's lien, which was settled for $XXXX. Payoff to Consolidated Reinforcement was padded showing in the amount of $XXXX on final XXXX for loan XXXX (Unit XXXX). Also received demand for $XXXX vendor's lien. Final Alta settlement statements for loans XXXX, XXXX, and XXXX show equal disbursements in the amount of $XXXX, totaling $XXXX which included padding, payable to XXXX per demand provided. Total payoff through XXXX was $XXXX with $XXXX per diem. $XXXX in padding does not impact LTV nor cash out requirements per guidelines. - XXXX<br> Document Uploaded. - XXXX<br> Received release for $XXXX mechanic's lien which is satisfactory to address this title item. However, the Lender's Closing Instructions and Ledger are insufficient to address the $XXXX mechanic's lien and $XXXX vendor's lien. Please provide any of the following in order to satisfactorily address the $XXXX mechanic's lien and $XXXX vendor's lien showing on the Title Commitment: 1) Title Supplement removing the liens from the Title Commitment, 2) Final Title Policy reflecting subject in first lien position and the aforementioned liens not on the Title Policy, 3) Executed and notarized releases that show evidence that the aforementioned liens have been satisfied; the amounts and the recording information on the releases must reconcile with the Title Commitment, 4) Demands with proof of payoff made on the aforementioned liens; the amounts and the recording information on the demands must reconcile with the Title Commitment and demands must be issued by authorized representatives. The proof of payoff must reconcile with the demands issued by authorized representatives. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | Federal - Loan Estimate Disclosure Received and Intent To Proceed | The date the consumer indicated an intent to proceed with a transaction (XXXX) is before the date the consumer received the Loan Estimate (XXXX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) Initial docs were issued on XXXX and received XXXX, however the earliest LE in the file was not issued until XXXX. <br>|  | Document Uploaded. - XXXX | Received initial LE. Finding resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. The operating agreement for XXXX or other documentation showing the borrower is 100% owner is missing from the loan file. <br>|  | Document Uploaded. - XXXX | the documentation provided is sufficient - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The mortgage statement for the borrower's primary residence located at XXXX is missing from the loan file. Please provide the mortgage statement along with tax/insurance/HOA statements if the loan is not escrowed. Also provide the XXXX statement for the HELOC for XXXX/month. <br>|  | Document Uploaded. - XXXX <br> Document Uploaded. - XXXX | Received VOM for XXXX. - XXXX<br> The mortgage statement for XXXX is missing. Please provide the mortgage statement along with tax/insurance/HOA statements if the loan is not escrowed. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Per the letter of explanation provided by the borrower, the following properties are being refinanced: XXXX. Please provide the final settlement statement/payment letter for these properties. If the loans are not escrowed, please provide the tax/insurance/HOA statements for these properties. <br>|  | Document Uploaded. - XXXX <br> Document Uploaded. - XXXX | documentation provided is sufficient. - XXXX<br> Settlement statements for XXXX #XXXX & XXXX have been provided, but are still missing #XXXX and XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. The operating agreement for XXXX is missing from the loan file. <br>|  | Document Uploaded. - XXXX | The operating agreement for XXXX has been provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. There is a mortgage reflected on the credit report for NR/SMS/CAL that was omitted from the DTI. Please provide the mortgage statement for this loan. If the loan is not escrowed, please provide the tax/hazard/HOA statement. <br>|  | Document Uploaded. - XXXX | Documentation showing the mortgage reflected on the credit report for NR/SMS/CAL should have been deleted has been provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is basis. 1004D is missing from the loan file. <br>|  | Document Uploaded. - XXXX | 1004D provided, condition resolved. - XXXX<br> Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure. The initial CD is not present in the loan documents. I did not run compliance due to this; therefore, additional findings may be added upon receipt. <br>|  | Document Uploaded. - XXXX | Received initial CD. Finding resolved - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Foreign National guideline is Max 75% CLTV and No Cash out. A formal exception is located in the loan file. <br>|  |  |  | Monthly reserves is verified and at least XXXX months more than guideline minimum, 70 LTV max. Cash out funds can be used as reserves, DSCR to remain above 1. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Missing Closing/Final Verbal VOE | Guidelines require the borrower's current employment status and can be established with a year-to-date paystub dated within 30 days of Note date or a verbal VOE dated no more than 10 calendar days prior to the Note date. Per Note, the Note date was XXXX. B1 most recent pay stub in file was dated XXXX which is over 30 days prior to the Note Date, and VOE in file was verified on XXXX which was over 10 days prior to the Note Date.  |  | Document Uploaded. - XXXX | Received Equifax Verification of Employment verified on XXXX for B1. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Borrower 2, XXXX, lives rent free with no ownership of any real estate. A formal exception is in the file. <br>|  |  |  | The exception was approved based on all terms and conditions to be met as submitted. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The loan for the subject property is not escrowed. Per guidelines, escrow/impound accounts may be waived when the following requirements are met: Minimum credit score of 720 and a minimum of 12 months of reserves. A formal exception is located in the loan file. <br>|  |  |  | Not HPML. LTV is 64, which is below the guideline maximum of 80%. FICO of XXXX is greater than the 720 minimum requirement. XXXX months of reserves, which is greater than the 12-month minimum requirement. Not in a flood zone. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Business bank statements are being used to document income. Guidelines allow 5 NSF transactions in the last 12 months. The borrower has XXXX. A Formal exception was done to allow. <br>|  |  |  | The exception was approved based on a FICO higher than 740, and at least XXXX points higher than guideline minimum, LTV less than 70%, and at least 5% less than guideline maximum, qualifying DTI less than 35%, and at least 10% less than guideline maximum. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Property | Appraisal - Miscellaneous | The subject appraisal reflected issues. Subject is a rural property and is an ineligible property type. A formal exception is in the file, but one of the compensating factors indicate the LTV is 5% or more below the maximum allowed. Please provide an updated formal exception as the LTV is actually 80%, which is the maximum. Guidelines require using the lesser of the appraised value or purchase price for a rate/term refinance when the property was acquired <6 months from the note date; borrower purchased subject for $XXXX on XXXX. <br>|  | Document Uploaded. Please find updated exception form. Please clear the condition. Thank you. - XXXX | Guidelines require using the lesser of the appraised value or purchase price for a rate/term refinance when the property was acquired <6 months from the note date; borrower purchased subject for $XXXX on XXXX. A formal exception was provided. - XXXX | Loan approved based on residual income 1.5x required $XXXX 18 GL $XXXX); Reserves XXXX mo (GL 6); Credit score XXXX+ points minimum required XXXX(XXXX). | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Credit | Transaction is not arm's length | Borrower previously rented subject before purchasing on XXXX. Formal exception in file for a Non-Arms Length transaction, but one of the compensating factors indicate the LTV is 5% or more below the maximum allowed. Please provide an updated formal exception as the LTV is actually 80%, which is the maximum. Guidelines require using the lesser of the appraised value or purchase price for a rate/term refinance when the property was acquired <6 months from the note date; borrower purchased subject for $XXXX on XXXX.  |  | Document Uploaded. Please find updated exception form. Please clear the condition. Thank you. - XXXX | Borrower previously rented subject before purchasing on XXXX. Formal exception in file for a Non-Arms Length transaction. - XXXX | Loan approved based on residual income 1.5x required $XXXX 18 GL $XXXX); Reserves XXXX mo (GL 6); Credit score XXXX+ points minimum required XXXX(XXXX). | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 5 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Per the audit review the income calculation is $XXXX, originator closed with $XXXX and the 1003 states income used was $XXXX. Originator will need to provided their final income worksheet to support the income of $XXXX used in the approval <br>|  | Document Uploaded. Please see the certification regarding use of audited income. Thank you. - XXXX | Response from lender okay to proceed using audit income of $XXXX. DTI ratios still in guideline limits at 38.91/49.77%. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 5 | XXXX | Credit | Income - Mismatch | Identifying information on the W2's or paystubs do not match information on the 1003. Need an exception to use the higher income of $XXXX rather that what the originator calculated at $XXXX. <br>|  | Document Uploaded. Please see the certification regarding use of audited income. Thank you. - XXXX | Response from lender okay to proceed using audit income of $XXXX. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 5 | XXXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test (XXXX) | The total amount of the 10% category fees on the last Closing Disclosure ($XXXX) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Recording Fee on line 01 in Section E on the initial Closing Disclosure dated XXXX increased by 20.8%, from $XXXX to $XXXX, on the final Closing Disclosure dated XXXX without a valid change of circumstance.  |  | Document Uploaded. Hello, please find attached the PCCD. As the recording fee was less than the initial Le, no refund is required. Please clear the condition. Thank you. - XXXX | Received PCCD. - XXXX<br> Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 5 | XXXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test (XXXX) | The total amount of the 10% category fees ($XXXX) has increased by more than 10% over the current baseline value of ($XXXX). The total amount of fees in the 10% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Recording Fee on line 01 in Section E on the initial Closing Disclosure dated XXXX increased by 20.8%, from $XXXX to $XXXX, on the final Closing Disclosure dated XXXX without a valid change of circumstance. <br>|  | Document Uploaded. Hello, please find attached the PCCD. As the recording fee was less than the initial Le, no refund is required. Please clear the condition. Thank you. - XXXX | Received PCCD. - XXXX<br> Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Per the guidelines, a UCDP with a score of 2.5 or less is required, if the score is higher a desk review, field review or 2nd appraisal is required. The UCDP scores for this property are XXXX and XXXX. <br>|  | Document Uploaded. - XXXX | CDS with acceptable Low Risk received. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Property | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Loan purpose is purchase and valuation type of purchase contract has not been selected. Unable to locate the purchase contract in the loan file. <br>|  | Document Uploaded. - XXXX | Purchase Contract Doc is not Missing, or is Not Applicable. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 2 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 2 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or sourced. The total deposited, per the final CD is $XXXX. Documentation of the $XXXX and the $XXXX deposits are located in the loan file, but documentation of the additional $XXXX is missing from the loan file along with proof that the funds cleared the account. <br>|  | Document Uploaded. The Emd check for $XXXX has been provided and dated in XXXX. AS this is XXXX years ago and the amount was noted on the XXXX purchase contract and CD, is it possible to waive the source account. Please accept. Thank you. - XXXX | Documentation is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per the appraisal, the builder is in control of the project. Per guidelines, the HOA should be in control, and projects under Developer or Builder control will be considered on a case-by-case basis only. Also, per the appraisal, not all common areas are complete. Per guidelines, all common elements in the project or legal phase must be 100% complete. A formal exception is located in the loan file. <br>|  |  |  | Good FICO. Low DTI. Good property and high residual income | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | Missing Doc - Affiliated Business Disclosure/Missing | Required Affiliated Business Disclosure missing <br>|  | Document Uploaded. please see attached - XXXX | ABD received, no affiliates. Condition resolved. - XXXX<br> Required Affiliated Business Disclosure Resolved - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Loan Package - Trust Agreement Missing | The loan file did not contain the Trust Agreement as required. The XXXX created under trust instrument dated XXXX, for the benefit of XXXX and XXXX was not provided. Additionally, the Living Trust Checklist is incomplete. <br>|  | Document Uploaded. Please see the living Trust checklist and executed Trust Certificate. Please clear the condition. Thank you. - XXXX | Certification or Trust and Trust review checklist received. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Appraisal - Other | There are additional appraisal findings. Provide disaster inspection report appraisal dated XXXX - disaster date XXXX<br>|  | Document Uploaded. Please find the post inspection disaster. No damage noted. Please clear. Thank you. - XXXX | PCDI received XXXX showing free and clear of any damages. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | Mortgage not properly executed | There is no signature for non-borrower Trustee at line "XXXX, AS TRUSTEE OF THE XXXX UNDER TRUST INSTRUMENT DATED XXXX FOR THE BENEFIT OF XXXX".  |  | Document Uploaded. Please see page XXXX of the mortgage. XXXX's signature as trustee is noted. Please clear the condition. Thank you. - XXXX | Received mortgage with all signature liens executed properly. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 4 | XXXX | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. <br>|  | Document Uploaded. - XXXX | Received lock confirm. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 4 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. <br>|  | Document Uploaded. Income worksheet was in file. Please refer at page XXXX. - XXXX | documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 4 of 4 | XXXX | Credit | Income - LOE Missing | The loan file did not contain a letter of explanation as required. Missing business narrative <br>|  | Document Uploaded. - XXXX | documentation meet guideline requirements - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. <br>|  | Document Uploaded. ATTACHED IS THE RATE LOCK. - XXXX | Evidence of Rate Lock Provided - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Assets - Insufficient Source Seasoning | The loan file does not contain all required asset documentation. Assets required for closing were not sufficiently seasoned. Online bank statement for XXXX #XXXX were used without meeting 60 day seasoning requirement. Formal exception in file to allow. <br>|  |  |  | Housing History: 0x30 Other compensating and/or common sense factors: As borrower has sufficient funds in other accounts this was just a mechanical accommodation as borrower wanted to use this single account for required funds at close. Borrower's excellent history of significant income and deposits makes this exception easily common sense. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, properties recently listed for sale are ineligible. A formal exception is in the loan file for a recently listed property. <br>|  |  |  | Minimum required credit score exceeded by over XXXX points. Depth of the prior housing history is XXXX years. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. Per guidelines-Ineligible Properties: Rural Properties. A property is considered rural if: o The appraiser indicates in the neighborhood section of the report a rural location. A formal exception is in file. <br>|  |  |  | Compensating factors-Credit score XXXX+ points > minimum required- XXXX(XXXX). LTV/CLTV 10% or more below the maximum allowed under applicable guidelines- 69.56% (GL = 90%). Reserves exceed by 2 months or more XXXXmonth (6 GL). RESIDUAL INCOME 100x required -$XXXX(GL $XXXX). | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Audited Reserves are less than AUS Required Reserves (Number of Months) | Audited reserves months are less than the AUS required reserve months. Guidelines require 6 month reserves. Formal exception was done to allow 5. <br>|  |  |  | The exception was approved based on disposable income of $XXXX, and XXXX years on job for primary borrower. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | XXXX | 4350115804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. Loan file does not contain a borrower signed DOT. Page XXXX was notarized without borrower signature. <br>|  | Document Uploaded. Please find the mortgage, page XXXX, signed by the borrower and notarized. The signature on the mortgage matches the note's signature. Thank you. - XXXX | Executed DOT received. Condition resolved. - XXXX<br> Borrower 1 Signature matches Note - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Missing Property Tax Cert | Missing property tax cert. Please provide documentation to support the $XXXX in monthly taxes.<br>|  | Document Uploaded. Lender calculated the monthly taxes based on 1.25% of the sales price which is $XXXX\*1.25% = XXXX / 12 = $XXXX/Month - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure was provided on (XXXX) via (XXXXFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial CD is not signed and there isn't any electronic tracking in the file to show it was sent. <br>|  | Please find the wet signed CD. Please accept and clear the condition. Thank you. - XXXX<br> Document Uploaded. Please see the signed CD. Please clear. Thank you. - XXXX<br> Document Uploaded. Hello please find a certification regarding the condition. We have the mailbox and e consent which confirms the 3 day requirement was met. Please clear the condition. Thank you. - XXXX | Received signed CD. Finding resolved - XXXX<br> Resolved - XXXX<br> Concur with the certification letter provided, in that if the CD is mailed, the 3-business-day waiting period starts three business days after the mailing date. If the CD was mailed on XXXX, then 3 business days would include XXXX, XXXX and XXXX. Three days after XXXX is XXXX. Earliest possible closing date is XXXX. Provide proof of the date the borrower received the initial CD - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | Document Uploaded. Fraud clearance is attached. <br> - XXXX | Documentation provided is sufficient. - XXXX<br> All Fraud Report Alerts have been cleared or None Exist - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Please document the property taxes in the amount of $XXXX as used in DTI. The tax cert in the file does not align with this amount. <br>|  | Document Uploaded. Please see the attached email from Title regarding the tax calculation. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Credit report does not meet guideline requirements due to recent late payments. A formal exception is located in the loan file. <br>|  |  |  | Compensating factors listed as Low LTV on Rate and Term refinancing. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. A formal exception is located in the loan file for a unique subject property. <br>|  |  |  | Compensating factors listed as Low LTV with Rate and Term refinancing. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Income - Rental Property | Rental income is not properly documented and/or supported. 2008 provided states originator used Short Term Rental Income. The loan file is missing evidence of the income used. <br>|  | Document Uploaded. Please see attached market rent for the subject property. Fair market rent $XXXX. The underwriter used $XXXX x 80%=$XXXX. Please accept and clear the condition. Thank you. - XXXX | Originator calculation accepted. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. PITIA reserves do not meet guideline requirements. A formal exception is in the file. <br>|  |  |  | The exception was approved due to verification of mortgage supports housing payment and year to date income is increasing per P&L. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | XXXX | 4350115813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | DTI - Missing Debts/ DTI Exceeds Tolerance | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. The loan was approved with a DTI of 35.70%. Using the total debts reporting on the credit report (XXXX - $XXXX; XXXX - $XXXX; SXXXX/or- $XXXX; XXXX - XXXX); and XXXX - $XXXX - totaling $XXXX) along with the rental income for the investment properties including the subject property (XXXX - - XXXX; XXXX- - XXXX; and XXXX - - XXXX totaling $XXXX), the audited DTI is 26.86%. Please provide documentation to support the additional loss of XXXX. <br>|  | Document Uploaded. - XXXX<br> Please see certification. Thank you. - XXXX <br> Document Uploaded. Hello, please find the attached certification regarding the DTI. Please clear the condition. Thank you. - XXXX | Per client there are no other debts to calculate and audit DTI is acceptable. - XXXX<br> No documents were uploaded. - XXXX<br> No documentation was loaded to address the condition, condition remains. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Coverage is $XXXX and loan amount is $XXXX. <br>|  | Document Uploaded. Please find the title commitment. Thank you - XXXX | documentation meet requirements - XXXX <br> Title coverage amount of $XXXX is equal to or greater than total amount of subject lien(s) $XXXX+0+0 - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. <br>|  | Document Uploaded. - XXXX | Settlement statement dated XXXX received. Condition resolved. - XXXX<br> Final HUD-1 Document is not missing or estimated only. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Credit | Title Document is Partially Present | Title document is incomplete or only partially present. File is missing either a Quick EQ/Property Report or the RELP, MRELP, Transaction Cert, or E&O Policy. Please supply both required Title documents. The title commitment in the file reflects coverage of $XXXX. Please document sufficient title coverage for the full loan amount. <br>|  | Document Uploaded. Please find the title commitment. Thank you. - XXXX | Title document has been provided. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Credit | Program Parameters - Occupancy | The subject loan does not meet program parameters for occupancy. The final 1003 reflects the borrower's primary residence as XXXX, however in the real estate owned section of the 1003 it states investment with rental income. A lease is in the file for the XXXX. The property that is shown on the borrower's ID, XXXX, was sold. Please clarify and document the borrower's primary residence, including taxes and insurance as applicable. <br>|  | Document Uploaded. Hello, the borrower resides at XXXX. The property is a XXXX unit property and rental income is being used for unit XXXX. Please find the 1003 and 1008. Also, XXXX is secured by XXXX. Per the attached credit supplement, piti is included in the payment. Please clear the condition. Thank you. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | XXXX | 4350115822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. Per guidelines, an access letter from the additional owner of the asset account being used for reserves is required. This letter could not be found in the loan documents. <br>|  | Document Uploaded. Access letter is attached. - XXXX | Letter granting full access received. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate mortgage statements for the borrowers' properties located at. XXXX, XXXX and XXXX<br>|  | Document Uploaded. DOCS ARE ATTACHED. - XXXX | Final CDs for the REOs received. Rent loss updated, DTI remains in tolerance. Condition resolved. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Loan closed in LLC, missing Guaranty Agreement. <br>|  | Document Uploaded. With lender signature - XXXX<br> Document Uploaded. Correct document is attached. - XXXX<br> Personal loan guaranty is attached. - XXXX<br> Document Uploaded. PERSONAL GUARANTY IS ATTACHED. - XXXX | Received Gauranty with all signatures - XXXX<br> Lender Signature & Date missing. Provide fully executed document with all required signatures completed. - XXXX<br> Lender Signature & Date missing, as well as guarantor/borrower 2nd signature missing. Provide fully executed document with all required signatures completed. - XXXX<br> Borrower executed Loan Guaranty on only 1 of 2 lines, lender has not executed at all. Please provide a completely executed Guaranty doc. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | PITIA miscalculated/exceeds tolerance | Lender used county taxes only $XXXX quarterly. The property is new construction and has not been assessed. However, the appraisal shows $XXXX per appraiser notations. The DSCR variance is significant 0.83 vs 0.570. Review of the property taxes and DSCR is recommended.  |  | Hi team, This is a purchase loan, the vacancy factor should not be applied, the market rent $XXXX should be used to calculate the DSCR ratio. $XXXX Gross rent / $XXXX PITIA= 0.79 ratio - XXXX<br> Document Uploaded. - XXXX <br> The appraiser noted unter Tax mill/ Rate: "Property taxes have not been assessed as the subject is new construction. XXXX recorded on page one of the report are based on sale #XXXX ($XXXX). Per XXXX records, the current tax rate for the subject tax district is XXXX (Tax District XXXX)." The higher taxes should be used as guidelines do not have specific rates to be used for new construction. Provide clarification or documentation that the lower 0.570 ratio is acceptable. - XXXX <br> Document Uploaded. - XXXX | Resolved PITIA using XXXX value per explanation provided $XXXX x XXXX% appraiser tax rate = $XXXX/12= $XXXX monthly tax. $XXXX Market Gross rent / $XXXX PITIA= XXXX. Rounds to XXXX- this is sufficient.<br> - XXXX<br> Using $XXXX value per explanation provided $XXXX x XXXX% appraiser tax rate = $XXXX/12= $XXXX monthly tax. $XXXX Gross rent / $XXXX PITIA= XXXX ratio. The ratio is still well below the 0.830 lender ratio. Provide explanation if this lower ratio is acceptable. - XXXX<br> The appraiser noted unter Tax mill/ Rate: "Property taxes have not been assessed as the subject is new construction. R.E. Taxes recorded on page one of the report are based on sale #XXXX ($XXXX). Per XXXX County records, the current tax rate for the subject tax district is XXXX (Tax District XXXX)." The higher taxes should be used as guidelines do not have specific rates to be used for new construction. Provide clarification or documentation that the lower 0.570 ratio is acceptable. - XXXX<br> The appraiser noted unter Tax mill/ Rate: "Property taxes have not been assessed as the subject is new construction. R.E. Taxes recorded on page one of the report are based on sale #XXXX ($XXXX). Per XXXX records, the current tax rate for the subject tax district is XXXX (Tax District XXXX)." The higher taxes should be used as guidelines do not have specific rates to be used for new construction. Provide clarification or documentation that the lower 0.570 ratio is acceptable. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | W2 Is Missing Copy Type | All foreign national borrowers must complete IRS form W-8BEN. Missing complete W-8BEN. <br>|  | Document Uploaded. - XXXX | The completed W-8BEN was received and fully executed by the borrower. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Borrower - Residency Alien Documentation | The borrower indicates Resident Alien status, however, the file contains no evidence documenting status as legally. Borrower is a Foreign National living in XXXX. XXXX passport on file. Per guidelines, To be eligible, the borrower must live and work in another country and be a legal resident of that same country. Missing XXXX valid passport. <br>|  | The borrower is a legal resident of XXXX. Per the explanation provided, the borrower is only working in XXXX at this time and not a legal resident of XXXX. This is sufficient. - XXXX <br> Document Uploaded. - XXXX | The borrower is a legal resident of XXXX. Per the explanation provided, the borrower is only working in XXXX at this time and not a legal resident of XXXX. This is sufficient. - XXXX |  | XXXX | Resolved | 2 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Hello - Our loans do not include an approval/UW summary. - XXXX | Executed Loan Agreement used in lieu of Loan Approval/1008. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Property Title Issue | Property title issue. Provide title supplement or final title policy to show items #XXXX Vendor's Lien for $XXXX, #XXXX Mechanic's Lien for $XXXX, and #XXXX Mechanic's Lien for $XXXX have been removed. No evidence was in the file to show the aforementioned liens were paid off and that the subject would be in first lien position. <br>|  | Document Uploaded. - XXXX<br> Document Uploaded. Please see the attached. - XXXX | Received demand for $XXXX mechanic's lien, which was settled for $XXXX. Payoff to Consolidated Reinforcement was padded showing in the amount of $XXXX on final XXXX for loan XXXX (Unit XXXX). Also received demand for $XXXX vendor's lien. Final Alta settlement statements for loans XXXX, XXXX, and XXXX show equal disbursements in the amount of $XXXX, totaling $XXXX which included padding, payable to XXXX per demand provided. Total payoff through XXXX was $XXXX with $XXXX per diem. $XXXX in padding does not impact LTV nor cash out requirements per guidelines. - XXXX<br> Document Uploaded. - XXXX<br> Received release for $XXXX mechanic's lien which is satisfactory to address this title item. However, the Lender's Closing Instructions and Ledger are insufficient to address the $XXXX mechanic's lien and $XXXX vendor's lien. Please provide any of the following in order to satisfactorily address the $XXXX mechanic's lien and $XXXX vendor's lien showing on the Title Commitment: 1) Title Supplement removing the liens from the Title Commitment, 2) Final Title Policy reflecting subject in first lien position and the aforementioned liens not on the Title Policy, 3) Executed and notarized releases that show evidence that the aforementioned liens have been satisfied; the amounts and the recording information on the releases must reconcile with the Title Commitment, 4) Demands with proof of payoff made on the aforementioned liens; the amounts and the recording information on the demands must reconcile with the Title Commitment and demands must be issued by authorized representatives. The proof of payoff must reconcile with the demands issued by authorized representatives. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 7 | XXXX | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. Unable to locate the business purpose and occupancy affidavit. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 7 | XXXX | Credit | Borrower 2 Citizenship Documentation Not Provided | Borrower 2 Citizenship Documentation is missing. Unable to locate citizenship documentation for borrower 2. The file contains the extension documentation, but not the VISA as required per guidelines for H1B. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 7 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Unable to locate the Alta statement, closing disclosure or the HUD-1 statement. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX<br> Final HUD-1 Document is not missing or estimated only. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 7 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | There are uncleared alerts shown on the fraudguard. Fraud Report shows uncleared alerts. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX<br> All Fraud Report Alerts have been cleared or None Exist - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 7 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 7 of 7 | XXXX | Credit | Eligibility - Citizenship Requirements | The documented citizenship does not meet guideline requirements. The file contains an Employment Authorization card for Borrower 1, however per the guidelines a VISA is required with an EAD code XXXX. <br>|  | Document Uploaded. - XXXX | Documentation provided is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The mortgage statement for the borrower's primary residence located at XXXX is missing from the loan file. Please provide the mortgage statement along with tax/insurance/HOA statements if the loan is not escrowed. Also provide the XXXX statement for the HELOC for XXXX/month.  |  | Document Uploaded. - XXXX<br> Document Uploaded. - XXXX<br> Document Uploaded. - XXXX | vom has been received - XXXX<br> The mortgage statement for XXXX is missing. Please provide the mortgage statement along with tax/insurance/HOA statements if the loan is not escrowed. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. There is a mortgage reflected on the credit report for NR/SMS/CAL that was omitted from the DTI. Please provide the mortgage statement for this loan. If the loan is not escrowed, please provide the tax/hazard/HOA statement. <br>|  | Document Uploaded. - XXXX | Per communication attached , "these should have been set up as BPLs, but we hadn't made that distinction early on. We will promptly remove any prior credit reporting." Documentation is sufficient. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Per the letter of explanation provided by the borrower, the following properties are being refinanced: XXXX. Please provide the final settlement statement/payment letter for these properties. If the loans are not escrowed, please provide the tax/insurance/HOA statements for these properties.  |  | Document Uploaded. - XXXX <br> Document Uploaded. - XXXX | Dcoumentation has been received. - XXXX<br> The settlement statement for XXXX is still missing. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. The operating agreement for XXXX is missing from the loan file.  |  | Document Uploaded. - XXXX | The operating agreement for XXXX has been received. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |

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## Exhibit 99.18

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.18**

![](maxwell_logo.jpg)

Client LSRMF3 <br> Transaction COLT 2025-8 <br> Date 07/15/2025

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXX | XXX | 4350115640 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115641 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115642 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115643 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115644 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115645 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115646 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115647 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115648 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115649 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115650 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115651 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115652 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115653 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115654 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115655 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115656 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115657 | XXX | XXXX | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| XXX | XXX | 4350115658 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115659 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115660 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115661 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXX | XXX | 4350115662 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115663 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115664 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115665 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115666 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115667 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115668 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115669 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115670 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115671 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115672 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 3 | 1 | 4 | 1 D A C |
| XXX | XXX | 4350115673 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| XXX | XXX | 4350115674 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115675 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115676 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115677 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115678 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115679 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115680 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115681 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115682 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115683 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115684 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115685 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115686 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115687 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115688 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115689 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115690 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115691 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115692 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115693 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115694 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXX | XXX | 4350115695 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115696 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115697 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115698 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115699 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115700 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115701 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115702 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115703 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115704 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115705 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115706 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115707 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115708 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115709 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115710 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115711 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115712 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 2 B A |
| XXX | XXX | 4350115713 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115714 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115715 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115716 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115717 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115718 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115719 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 2 | 2 C B A |
| XXX | XXX | 4350115720 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115721 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115722 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115723 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115724 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| XXX | XXX | 4350115725 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115726 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115727 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115728 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115729 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115730 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115731 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115732 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115733 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115734 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115735 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115736 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115737 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115738 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115739 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115740 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115741 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 2 | 2 C B A |
| XXX | XXX | 4350115742 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115743 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115744 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115745 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115746 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115747 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115748 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115749 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115750 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXX | XXX | 4350115751 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115752 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115753 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115754 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115755 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXX | XXX | 4350115756 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115757 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115758 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115759 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115760 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115761 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115762 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115763 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| XXX | XXX | 4350115764 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115765 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115766 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115767 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115768 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115769 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115770 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115771 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115772 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115773 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 3 | 1 D A C |
| XXX | XXX | 4350115774 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115775 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115776 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115777 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115778 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115779 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115780 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115781 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115782 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115783 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 2 C B A |
| XXX | XXX | 4350115784 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115785 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115786 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXX | XXX | 4350115787 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115788 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 A |
| XXX | XXX | 4350115789 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115790 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115791 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115792 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115793 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| XXX | XXX | 4350115794 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115795 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115796 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115797 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115798 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115799 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115800 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115801 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXX | XXX | 4350115802 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115803 | XXX | XXXX | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115804 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115805 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115806 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115807 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115808 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115809 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115810 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115811 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115812 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | XXX | 4350115813 | XXX | XXXX | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | XXX | 4350115814 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115815 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115816 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115817 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115818 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115819 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115820 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115821 | XXX | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXX | XXX | 4350115822 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115823 | XXX | XXXX | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115824 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115825 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | XXX | 4350115826 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXX | XXX | 4350115827 | XXX | XXXX | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |

---

## Exhibit 99.19

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.89 | 60.89 | XXXX | XXXX | 0.0127 | 1004 URAR |  |  |  |  | XXXX | XXXX | 0.0127 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX | XXXX | 4350115644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 68.38 | 68.38 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350115647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| XXXX | XXXX | 4350115648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 69.76 | 69.76 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.3518 | 83 | 0.17 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350115659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | 0.1045 | AVM |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | 0.1045 | 75 | 0.25 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 45.83 | 45.83 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.67 | 69.67 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| XXXX | XXXX | 4350115666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.34 | 57.34 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.96 | 69.96 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.22 | 65.22 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.17 | 64.17 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350115673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 18.4 | 18.4 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 54.53 | 54.53 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.68 | 53.68 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.73 | 68.73 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.91 | 74.91 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| XXXX | XXXX | 4350115688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.55 | 68.55 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX | XXXX | 4350115690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 54.29 | 54.29 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 28.95 | 28.95 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.12 | 44.12 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| XXXX | XXXX | 4350115697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.45 | 45.45 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX | XXXX | 4350115698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.54 | 40.54 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.37 | 54.37 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.8 | 45.8 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.32 | 62.32 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350115703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX | XXXX | 4350115704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.72 | 69.72 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | -0.0833 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | -0.0833 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX | XXXX | 4350115710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350115712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.36 | 63.36 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350115715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350115720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.5 | 62.5 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.89 | 64.89 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.83 | 64.83 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX | XXXX | 4350115725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 28.7 | 28.7 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX | XXXX | 4350115729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.08 | 66.08 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX | XXXX | 4350115730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350115731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.29 | 67.29 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350115738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 27.71 | 27.71 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| XXXX | XXXX | 4350115740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX | XXXX | 4350115741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.92 | 74.92 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.8 | XXXX |
| XXXX | XXXX | 4350115742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.43 | 69.43 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.68 | 73.68 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| XXXX | XXXX | 4350115748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 50 | 50 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.21 | 67.21 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX | XXXX | 4350115751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | -0.0769 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | -0.0769 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0.0273 | 2055 Exterior Only Inspection Report |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 565000 | 15000 | 0.0273 |  | 04-30-2025 |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.04 | 44.04 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.96 | 73.96 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 62.65 | 62.65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.63 | 72.63 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.67 | 61.67 | XXXX | XXXX | -0.02 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | -0.02 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 69.22 | 69.22 | XXXX | XXXX | -0.0111 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | -0.0111 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 52.98 | 52.98 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 31.67 | 31.67 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -0.1367 | 77 | 0.23 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX | XXXX | 4350115773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350115775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350115776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350115778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.74 | 63.74 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350115782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.86 | 72.86 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.51 | 46.51 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.74 | 60.74 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 3.7 | XXXX |
| XXXX | XXXX | 4350115787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.61 | 58.61 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0.042 | 1004 URAR |  |  |  |  | XXXX | XXXX | 0.042 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50 | 50 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX | XXXX | 4350115796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65 | 65 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60 | 60 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.14 | 36.14 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 90 | 90 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.11 | 58.11 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX | XXXX | 4350115801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.57 | 69.57 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 88.89 | 88.89 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 42.47 | 42.47 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 24.24 | 24.24 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85 | 85 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 38.13 | 38.13 | XXXX | XXXX | -0.0939 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | -0.0939 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.29 | 63.29 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.24 | 50.24 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65 | 65 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 71.96 | 71.96 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.87 | 72.87 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75 | 75 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.67 | 69.67 | XXXX | XXXX | 0 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | 0 | Desk Review |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |

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## Exhibit 99.20

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Mapped ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 4350115791 | XXXX | XXXX | B1 Individual Tax Identification Number (ITIN)? | XXXX | XXXX | Not an ITIN file |
| XXXX | XXXX | 4350115642 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | loan approval and 1003 |
| XXXX | XXXX | 4350115645 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | verified with approval |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | Borrower is a foreign national |
| XXXX | XXXX | 4350115662 | XXXX | XXXX | B1 Verified Citizenship Designation | XXXX | XXXX | verified with documentation in file |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | Borrower 1 Citizen | XXXX | XXXX | Final 1003 and docs in file support US Citizen |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | Borrower 1 Citizen | XXXX | XXXX | 1003 validate true data |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | Borrower 1 First Name | XXXX | XXXX | passport |
| XXXX | XXXX | 4350115667 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Borrower/Guarantor's last name |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Borrower's last name is XXXX |
| XXXX | XXXX | 4350115752 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Borrower name is XXXX. |
| XXXX | XXXX | 4350115756 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Per Commercial Promissory Note |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Per XXXX, borrower is XXXX, XXXX, a XXXX. |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115674 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | DSCR loan does not require employment income to qualify. |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | verified |
| XXXX | XXXX | 4350115702 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | Per Loan Approval DSCR loan which doesn't require monthly income for qualifying. |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | rental income miscalculation |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | Borrower 1 Qualifying Income | XXXX | XXXX | DSCR loan per Underwriting Conditional Approval. No income used in qualifying DSCR loans. |
| XXXX | XXXX | 4350115705 | XXXX | XXXX | Borrower 1 Self-Employment Flag | XXXX | XXXX | borrower is self employed |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | Borrower 2 First Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115789 | XXXX | XXXX | Borrower 2 Last Name | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Calculated based on $XXXX rent and $XXXX. No AirDNA or AirBNB to support using $XXXX rent. |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Audit used current lease rent of $XXXX |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | finding added |
| XXXX | XXXX | 4350115686 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Verified per pitia and rental amount on the appraisal. Guidelines state use the lower of lease and appraisal. No short term documents in the loan file. Unsure how lender received 1.033 ratio |
| XXXX | XXXX | 4350115711 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Variance due to one month evidence of rental receipt documented vs. two months required per guidelines in order to use 120% of actual rents that are higher than the estimated market rent per 1007. |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Verified as accurate from payment letter, lease and proof of rent used of $XXXX |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Per ITIA documentation in file, using actual rents. |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Audit DSCR is in line with the file documentation and the 1008. |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | Market rent reduction of XXXX% for vacant property per GL's.Lender used county taxes $XXXX quarterly as the property is new construction and has not been assessed. However, the appraisal shows $XXXX. The DSCR variance is significant XXXX vs XXXX. Review of the property taxes and DSCR is recommended. |
| XXXX | XXXX | 4350115825 | XXXX | XXXX | Calculated DSCR | XXXX | XXXX | approval is missing |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with closing disclosure |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350115784 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified per cd |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with closing disclosure |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | CD $XXXX |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with closing disclosure |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per Final Closing Disclosure XXXX |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Actaul cash out based on final CD. |
| XXXX | XXXX | 4350115808 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with closing disclosure |
| XXXX | XXXX | 4350115813 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | verified with final CD |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Missing settlement statement |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Verified with final CD. |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR is exempt |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | Investment transactions are not subject to QM/ATR requirements. |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | investment properties are exempt |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | Investment transactions are not subject to QM/ATR requirements. |
| XXXX | XXXX | 4350115682 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans do not require ATR |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR is exempt |
| XXXX | XXXX | 4350115693 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | Investment transactions are not subject to QM/ATR requirements. |
| XXXX | XXXX | 4350115703 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans are ATR/QM Exempt |
| XXXX | XXXX | 4350115706 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans do not require ATR |
| XXXX | XXXX | 4350115824 | XXXX | XXXX | Final Reviewed QM Status | XXXX | XXXX | DSCR loans do not require ATR |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | Interest Rate | XXXX | XXXX | per note rate 7.875% |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Interest Rate | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Note |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Verified with Note |
| XXXX | XXXX | 4350115799 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Note |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Rate is 9.625% per note. |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Per the note and loan approval the interest rate is 7.75% |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | Interest Rate | XXXX | XXXX | note confirm 7.75% |
| XXXX | XXXX | 4350115822 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Used rate found on the Note. |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Interest Rate | XXXX | XXXX | Per the note the rate is 8% |
| XXXX | XXXX | 4350115724 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per Note and 1008. |
| XXXX | XXXX | 4350115739 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per NOTE loan amount is $XXXX |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Verified with Note |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Loan Amount | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350115786 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Note |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Loan Amount | XXXX | XXXX | Per note and deed the loan amount is $XXXX |
| XXXX | XXXX | 4350115718 | XXXX | XXXX | Loan Program | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | Loan Program | XXXX | XXXX | The loan program is DSCR Investor Solutions 3 |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | Loan Purpose | XXXX | XXXX | Cash Out Refi per approval and 1008> Fraudguard showed borrower acquired subject property XXXX. |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Loan Type | XXXX | XXXX | Verified per program |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Loan Type | XXXX | XXXX | loan was approved as DSCR |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR loan |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Loan Type | XXXX | XXXX | Loan was documented as a DSCR |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Loan Type | XXXX | XXXX | loan is DSCR |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Loan Type | XXXX | XXXX | Per Loan Approval and 1008 |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | Loan Type | XXXX | XXXX | Per Loan Approval Product Code transaction is DSCR. |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | Loan Type | XXXX | XXXX | loan is DSCR |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | Loan Type | XXXX | XXXX | Loan is DSCR |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Loan Type | XXXX | XXXX | Loan is DSCR |
| XXXX | XXXX | 4350115815 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | Loan Type | XXXX | XXXX | Verified with program |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR per Loan Approval/program |
| XXXX | XXXX | 4350115821 | XXXX | XXXX | Loan Type | XXXX | XXXX | DSCR per loan approval and program |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Loan Type | XXXX | XXXX | Verified per documents in file that loan is a DSCR |
| XXXX | XXXX | 4350115743 | XXXX | XXXX | Note Date | XXXX | XXXX | final application date XXXX |
| XXXX | XXXX | 4350115745 | XXXX | XXXX | Note Date | XXXX | XXXX | Per Note - Document date |
| XXXX | XXXX | 4350115749 | XXXX | XXXX | Note Date | XXXX | XXXX | Per the note |
| XXXX | XXXX | 4350115750 | XXXX | XXXX | Note Date | XXXX | XXXX | verified with Note |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | verified as final DSCR ratio |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | DSCR verified, and matches UW notes on 1008 |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | verified with approval |
| XXXX | XXXX | 4350115806 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | DSCR is 1.098 per the 1008 |
| XXXX | XXXX | 4350115807 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Per the documentation in file |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Per loan approval the DSCR is .78 |
| XXXX | XXXX | 4350115817 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Verified per 1008 |
| XXXX | XXXX | 4350115818 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | 1008 confirms DSCR of 1.042% |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Originator DSCR | XXXX | XXXX | Audit is in line with the file documentation and the 1008 |
| XXXX | XXXX | 4350115679 | XXXX | XXXX | Prepayment Penalty Calculation | XXXX | XXXX | Per Prepayment Addendum To Note |
| XXXX | XXXX | 4350115684 | XXXX | XXXX | Prepayment Penalty Total Term | XXXX | XXXX | Verified via source docs |
| XXXX | XXXX | 4350115792 | XXXX | XXXX | Prepayment Penalty Total Term | XXXX | XXXX | Loan closed without a PPP |
| XXXX | XXXX | 4350115708 | XXXX | XXXX | Property Address | XXXX | XXXX | Per Note and 1004 appraisal report. |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | Property Address | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350115640 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with appraisal |
| XXXX | XXXX | 4350115649 | XXXX | XXXX | Property Type | XXXX | XXXX | This is a Condo per appraisal |
| XXXX | XXXX | 4350115652 | XXXX | XXXX | Property Type | XXXX | XXXX | Per appraisal 3 unit property |
| XXXX | XXXX | 4350115653 | XXXX | XXXX | Property Type | XXXX | XXXX | per appraisal 2 units |
| XXXX | XXXX | 4350115654 | XXXX | XXXX | Property Type | XXXX | XXXX | Subject is a Condotel per appraisal and lock. |
| XXXX | XXXX | 4350115655 | XXXX | XXXX | Property Type | XXXX | XXXX | Per 1025 appraisal report |
| XXXX | XXXX | 4350115660 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with appraisal |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | Property Type | XXXX | XXXX | Per appraisal property has 3 units |
| XXXX | XXXX | 4350115685 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified per appraisal and 1008 |
| XXXX | XXXX | 4350115699 | XXXX | XXXX | Property Type | XXXX | XXXX | PUD per appraisal |
| XXXX | XXXX | 4350115700 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115730 | XXXX | XXXX | Property Type | XXXX | XXXX | appraisal |
| XXXX | XXXX | 4350115764 | XXXX | XXXX | Property Type | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350115769 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified via source docs |
| XXXX | XXXX | 4350115770 | XXXX | XXXX | Property Type | XXXX | XXXX | veriried with appraisal |
| XXXX | XXXX | 4350115771 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with appraisal |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | Property Type | XXXX | XXXX | Verified with questionnaire |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Property Type | XXXX | XXXX | Per 1004 appraisal report |
| XXXX | XXXX | 4350115721 | XXXX | XXXX | Property Zip Code | XXXX | XXXX | Zip code per Note, Deed, Title is XXXX |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | CLTV is 62.65% |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | verified |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | CLTV based on 1004 appraisal report value. |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | Qualifying CLTV | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115658 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | 771 is the lowest mid score |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | missing gap credit report |
| XXXX | XXXX | 4350115681 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Lowest mid-score between both borrowers. Guidelines state representative credit score of the primary wage earner for programs except DSCR. Guidelines do not specify the representative credit score methodology for DSCR program. |
| XXXX | XXXX | 4350115767 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Verified as lowest mid score, stated on 1008 provided |
| XXXX | XXXX | 4350115776 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | XXXX is the lowest mid score. Guidelines do not specify which score to use in the event there is more than one borrower. |
| XXXX | XXXX | 4350115777 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Verified with lowest median score of credit report in the file. |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Verified with credit report. |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | verified with credit report |
| XXXX | XXXX | 4350115793 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | FICO used from credit report dated XXXX |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Median score of the primary wage earner per guidelines |
| XXXX | XXXX | 4350115811 | XXXX | XXXX | Qualifying FICO | XXXX | XXXX | Per the approval the score used is XXXX |
| XXXX | XXXX | 4350115755 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | LTV is 62.65% |
| XXXX | XXXX | 4350115757 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | verified |
| XXXX | XXXX | 4350115758 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | LTV based on 1004 appraisal report value. |
| XXXX | XXXX | 4350115759 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115781 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | XXXX / XXXX |
| XXXX | XXXX | 4350115783 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | GLs require to use the lesser of appraised value or purchase price for a rate/term refinance when the property was acquired < 6 months from the note. 80% LTV based on sales price of $XXXX. |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Verified with appraisal. approved loan amount is $XXXX instead of $XXXX |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Verified LTV is 65% |
| XXXX | XXXX | 4350115798 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | verified with appraisal and approval |
| XXXX | XXXX | 4350115800 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Per 1004 appraisal report and supported by Fannie Mae SSR in the amount of $XXXX: $XXXX/$XXXX = XXXX%. |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Qualifying LTV | XXXX | XXXX | Audit is in line with the file documentation and the 1008 |
| XXXX | XXXX | 4350115641 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | It appears that the originator added the old mortgage payment of $XXXX along with the new mortgage payment of $XXXX in the DTI. The correct DTI should reflect 14.89%. |
| XXXX | XXXX | 4350115644 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115665 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | See findings |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115672 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Variance due to income |
| XXXX | XXXX | 4350115683 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115688 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | liabilities miscalculation |
| XXXX | XXXX | 4350115734 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Variance due to HOA on investment property not factored into the debt ratio at origination. See Fraud Manager report $XXXX monthly maximum HOA. |
| XXXX | XXXX | 4350115737 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Final audit DTI 42.49% vs originator 38.98% variance in updated originator is the amount of PITIAS used for subj XXXX and REO XXXX XXXX. Still within guideline DTI approval. |
| XXXX | XXXX | 4350115741 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Within guidelines and tolerance. |
| XXXX | XXXX | 4350115768 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | liabilities calculated using older credit report. |
| XXXX | XXXX | 4350115801 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | discrepancy on departure property expensed |
| XXXX | XXXX | 4350115802 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Per file documentation and 1008. |
| XXXX | XXXX | 4350115803 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Per file documentation and 1008 and audited DTI is 54%, |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | finding added |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | Supported by file documentation and 1008 |
| XXXX | XXXX | 4350115827 | XXXX | XXXX | Qualifying Total Debt Income Ratio | XXXX | XXXX | missing final settlement statements for other properties |
| XXXX | XXXX | 4350115779 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | 12 months are required. XXXX months verified |
| XXXX | XXXX | 4350115785 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | verified with cash out |
| XXXX | XXXX | 4350115788 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Using cash out for reserves |
| XXXX | XXXX | 4350115790 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Loan Amount > $XXXXM: XXXX-months of PITIA. Reserve requirements apply to the subject property loan only. Additional reserves are not required for additional financed properties. |
| XXXX | XXXX | 4350115794 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Verified with file documentation |
| XXXX | XXXX | 4350115805 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Variance due to two business accounts used for asset verification with no documentation provided to show borrower is a corporate owner and what the ownership percentage is. As a result, business accounts were omitted from the verified asset count. |
| XXXX | XXXX | 4350115814 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | cash out used as reserves |
| XXXX | XXXX | 4350115820 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Based on file documentation including cash back |
| XXXX | XXXX | 4350115826 | XXXX | XXXX | Qualifying Total Reserves Number of Months | XXXX | XXXX | Verified reserves |
| XXXX | XXXX | 4350115659 | XXXX | XXXX | Reviewed Appraised Property Value | XXXX | XXXX | true avm/tape sale & appraisal amount |
| XXXX | XXXX | 4350115677 | XXXX | XXXX | Reviewed Total Debt Income Ratio | XXXX | XXXX | Verified via source docs |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Reviewed Total Debt Income Ratio | XXXX | XXXX | liabilities income calculation |
| XXXX | XXXX | 4350115733 | XXXX | XXXX | Term | XXXX | XXXX | Per NOTE term is 480 |
| XXXX | XXXX | 4350115656 | XXXX | XXXX | Underwriting Guideline Product Name | XXXX | XXXX | updated |
| XXXX | XXXX | 4350115669 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Most current guidelines dated XXXX available |
| XXXX | XXXX | 4350115670 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | Verified XXXX guidelines were correct |
| XXXX | XXXX | 4350115707 | XXXX | XXXX | Underwriting Guideline Version Date | XXXX | XXXX | we have XXXX guidelines as the most recent |
| XXXX | XXXX | 4350115663 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Verified |
| XXXX | XXXX | 4350115676 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | DSCR |
| XXXX | XXXX | 4350115678 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | only 12 months in file. finding issued |
| XXXX | XXXX | 4350115680 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Loan documented as a DSCR. |
| XXXX | XXXX | 4350115713 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Alt Doc - 12 month bank statements |
| XXXX | XXXX | 4350115736 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Per 1008 supported by documentation in file. |
| XXXX | XXXX | 4350115774 | XXXX | XXXX | Verified Doc Type | XXXX | XXXX | Per Loan Approval |

---

## Exhibit 99.21

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.21**

![](ex9926001.jpg)

COLT 2025-8<br>Lone Star Residential Acquisitions, LLC.<br>

Opus Capital Markets Consultants, LLC

&nbsp;&nbsp;300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**July 16, 2025**

**Performed by**

**Opus Capital Markets Consultants, LLC**

The report summarizes the results of a due diligence review performed on a pool of 61 loans, of which were purchased by Lone Star Residential Acquisitions, LLC. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains twenty (20) Non-QM loans and forty-one (41) ATR/Non-QM Exempt loans, of which twenty-nine (29) are DSCR loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

**Document Review**

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

**a) Collateral Docs**

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

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

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

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

**b) Closing Docs**

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

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

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

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

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

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

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

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

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

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

**Regulatory Compliance**

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

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act
 ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented
 by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced
 Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
 provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented
 by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA
 Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance
 with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial TIL disclosure and final TIL disclosures were provided.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the
 TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended
 from time to time.

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1
 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There
 should be no markings indicating that the HUD-1 is estimated.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

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

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

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

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

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

**<u>Ability to Repay and Qualified Mortgage Review</u>**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current
 employment status

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly
 payment on any simultaneous loans secured by the subject property.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

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

**Additional Disclosures and Requirements:**

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

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

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

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

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

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

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

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

**Fair Credit Report Act (Regulation V)**

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

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

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

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

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

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

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

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

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

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

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

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

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

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

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

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

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

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

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

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

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

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

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

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

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

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

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

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

● Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

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

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

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

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

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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

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

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

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

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

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

● Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

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

**Homeowner's Flood Affordability Act (HFIAA)**

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

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

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided
 by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The
 premium for which is paid by the condominium associate, cooperative, homeowners association,
 or other group as a common expense.

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

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

1) Misrepresentation Review and Valuation Review

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

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

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

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

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

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

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

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

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

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

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

**Properties in FEMA declared disaster zones.**

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

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**<br>

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

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**<br>

**Fitch Ratings Grading Criteria**

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

**Moody's Investor Services Grading Criteria**

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

**Kroll Bond Rating Agency LLC Grading Criteria**

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

**S&P Global Ratings Grading Criteria**

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

**DBRS Morningstar Grading Criteria**

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

**Opus Grading Criteria**<br>

1) Opus Grading Criteria

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

**Opus Credit Grades**<br>

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

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

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

**Opus Property Grades**<br>

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

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

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

**Opus Compliance Grades**<br>

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

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

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

**REDACTED INFORMATION**<br>

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

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

**DSCR Loan Review**

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

**Borrower Underwriting:**

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

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

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

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

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9926002.jpg)

![](ex9926003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.36% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.72% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.36% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;75.41% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.08% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.36% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.08% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.36% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;16 | &nbsp;&nbsp;73.77% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**61** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were five (5) obligors with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 14, 2025.

![](ex9926004.jpg)

**<u>Loans Reviewed (61)</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;WS250419926 | &nbsp;&nbsp;WS250520026 | &nbsp;&nbsp;WS250520049 |
| &nbsp;&nbsp;WS250620328 | &nbsp;&nbsp;WS250419811 | &nbsp;&nbsp;WS250519968 |
| &nbsp;&nbsp;WS250118684 | &nbsp;&nbsp;WS250419903 | &nbsp;&nbsp;WS250419842 |
| &nbsp;&nbsp;RT250520131 | &nbsp;&nbsp;WS250419949 | &nbsp;&nbsp;WS250419898 |
| &nbsp;&nbsp;WS250419717 | &nbsp;&nbsp;WS250319345 | &nbsp;&nbsp;WS250118768 |
| &nbsp;&nbsp;WS250520072 | &nbsp;&nbsp;WS250419892 | &nbsp;&nbsp;WS241218573 |
| &nbsp;&nbsp;WS250419902 | &nbsp;&nbsp;WS250419920 | &nbsp;&nbsp;WS250520162 |
| &nbsp;&nbsp;WS250520153 | &nbsp;&nbsp;WS250419927 | &nbsp;&nbsp;WS250419735 |
| &nbsp;&nbsp;WS250620290 | &nbsp;&nbsp;WS250419828 | &nbsp;&nbsp;WS250419951 |
| &nbsp;&nbsp;WS250519956 | &nbsp;&nbsp;WS250520170 | &nbsp;&nbsp;WS250520164 |
| &nbsp;&nbsp;WS250520015 | &nbsp;&nbsp;WS250520090 | &nbsp;&nbsp;WS250520214 |
| &nbsp;&nbsp;WS250519991 | &nbsp;&nbsp;WS250520013 | &nbsp;&nbsp;WS250620289 |
| &nbsp;&nbsp;WS250520058 | &nbsp;&nbsp;WS250519993 | &nbsp;&nbsp;WS250520218 |
| &nbsp;&nbsp;WS250419899 | &nbsp;&nbsp;WS250520093 | &nbsp;&nbsp;WS250520273 |
| &nbsp;&nbsp;WS250419880 | &nbsp;&nbsp;WS250519985 | &nbsp;&nbsp;WS250520211 |
| &nbsp;&nbsp;WS250520096 | &nbsp;&nbsp;WS250620299 | &nbsp;&nbsp;WS250520172 |
| &nbsp;&nbsp;WS250218961 | &nbsp;&nbsp;WS250520132 | &nbsp;&nbsp;WS250520202 |
| &nbsp;&nbsp;WS250520000 | &nbsp;&nbsp;WS250419653 | &nbsp;&nbsp;WS250620383 |
| &nbsp;&nbsp;WS250419918 | &nbsp;&nbsp;WS250520118 | &nbsp;&nbsp;WS250419718 |
| &nbsp;&nbsp;WS250118629 | &nbsp;&nbsp;WS250520060 |  |
| &nbsp;&nbsp;WS250519972 | &nbsp;&nbsp;WS250520064 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.22

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350115828 |  |  | XXXX C A |
| XXXX | 4350115829 |  |  | XXXX C A B |
| XXXX | 4350115830 |  |  | XXXX A |
| XXXX | 4350115831 |  |  | XXXX A |
| XXXX | 4350115832 |  |  | XXXX A C B |
| XXXX | 4350115833 |  |  | XXXX A |
| XXXX | 4350115834 |  |  | XXXX A |
| XXXX | 4350115835 |  |  | XXXX D A |
| XXXX | 4350115836 |  |  | XXXX A |
| XXXX | 4350115837 |  |  | XXXX D C A B |
| XXXX | 4350115838 |  |  | XXXX D C A |
| XXXX | 4350115839 |  |  | XXXX D A |
| XXXX | 4350115840 |  |  | XXXX A B |
| XXXX | 4350115841 |  |  | XXXX D A B |
| XXXX | 4350115842 |  |  | XXXX D A |
| XXXX | 4350115843 |  |  | XXXX A |
| XXXX | 4350115844 |  |  | XXXX C A |
| XXXX | 4350115845 |  |  | XXXX D A |
| XXXX | 4350115846 |  |  | XXXX D C A B |
| XXXX | 4350115847 |  |  | XXXX A B |
| XXXX | 4350115848 |  |  | XXXX A |
| XXXX | 4350115849 |  |  | XXXX A |
| XXXX | 4350115850 |  |  | XXXX A |
| XXXX | 4350115851 |  |  | XXXX D A |
| XXXX | 4350115852 |  |  | XXXX A C B |
| XXXX | 4350115853 |  |  | XXXX A |
| XXXX | 4350115854 |  |  | XXXX A |
| XXXX | 4350115855 |  |  | XXXX A |
| XXXX | 4350115856 |  |  | XXXX D A |
| XXXX | 4350115857 |  |  | XXXX A |
| XXXX | 4350115858 |  |  | XXXX A B |
| XXXX | 4350115859 |  |  | XXXX A C |
| XXXX | 4350115860 |  |  | XXXX D A |
| XXXX | 4350115861 |  |  | XXXX D A B |
| XXXX | 4350115862 |  |  | XXXX A |
| XXXX | 4350115863 |  |  | XXXX A |
| XXXX | 4350115864 |  |  | XXXX A |
| XXXX | 4350115865 |  |  | XXXX D C A B |
| XXXX | 4350115866 |  |  | XXXX A |
| XXXX | 4350115867 |  |  | XXXX A |
| XXXX | 4350115868 |  |  | XXXX A |
| XXXX | 4350115869 |  |  | XXXX D A |
| XXXX | 4350115870 |  |  | XXXX A |
| XXXX | 4350115871 |  |  | XXXX A |
| XXXX | 4350115872 |  |  | XXXX D A |
| XXXX | 4350115873 |  |  | XXXX A |
| XXXX | 4350115874 |  |  | XXXX A |
| XXXX | 4350115875 |  |  | XXXX A |
| XXXX | 4350115876 |  |  | XXXX C A B |
| XXXX | 4350115877 |  |  | XXXX A |
| XXXX | 4350115878 |  |  | XXXX A |
| XXXX | 4350115879 |  |  | XXXX A |
| XXXX | 4350115880 |  |  | XXXX D C A |
| XXXX | 4350115881 |  |  | XXXX A D |
| XXXX | 4350115882 |  |  | XXXX A D |
| XXXX | 4350115883 |  |  | XXXX D A B |
| XXXX | 4350115884 |  |  | XXXX A |
| XXXX | 4350115885 |  |  | XXXX C A B |
| XXXX | 4350115886 |  |  | XXXX D A B |
| XXXX | 4350115887 |  |  | XXXX A |
| XXXX | 4350115888 |  |  | XXXX D A |

---

## Exhibit 99.23

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4350115828 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 72 | 72 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115829 |  |  | XXXX | XXXX | XXXX | 0 | Other | XXXX | XXXX | 60 | 60 | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | -0.0909 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -0.0909 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115830 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 74.31 | 74.31 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2 |
| XXXX | 4350115831 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115832 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 67.62 | 67.62 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.4 |
| XXXX | 4350115833 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 |
| XXXX | 4350115834 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 |
| XXXX | 4350115835 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115836 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115837 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 44.78 | 44.78 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.3 |
| XXXX | 4350115838 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115839 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 85 | 85 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115840 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 78.57 | 78.57 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115841 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 85 | 85 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 |
| XXXX | 4350115842 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 42.47 | 42.47 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115843 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115844 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115845 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 |
| XXXX | 4350115846 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 |
| XXXX | 4350115847 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4.1 |
| XXXX | 4350115848 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115849 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 |
| XXXX | 4350115850 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 70 | 70 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 |
| XXXX | 4350115851 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 |
| XXXX | 4350115852 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | XXXX | -0.0943 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0943 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.3 |
| XXXX | 4350115853 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 |
| XXXX | 4350115854 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | XXXX | -0.0192 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0192 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115855 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115856 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 |
| XXXX | 4350115857 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115858 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115859 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.0851 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115860 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.0134 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115861 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 65 | 65 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115862 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115863 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115864 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115865 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 |
| XXXX | 4350115866 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 70 | 70 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115867 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 90 | 90 | XXXX | Desk Review | XXXX | XXXX | -0.0361 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0361 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115868 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 70 | 70 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 |
| XXXX | 4350115869 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115870 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 |
| XXXX | 4350115871 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115872 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 65 | 65 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115873 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 85 | 85 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115874 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115875 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 70 | 70 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115876 |  |  | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | 63.16 | 63.16 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115877 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115878 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 90 | 90 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115879 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 51.39 | 51.39 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115880 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 |
| XXXX | 4350115881 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 50 | 50 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350115882 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 50 | 50 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 |
| XXXX | 4350115883 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 50 | 50 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.8 |
| XXXX | 4350115884 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 70 | 70 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115885 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 49.52 | 49.52 | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 0.0286 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115886 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.1 |
| XXXX | 4350115887 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |
| XXXX | 4350115888 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 74.07 | 74.07 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |

---

## Exhibit 99.24

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.24**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350115839 |  |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| XXXX | 4350115868 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Audit value pulled from Note. |
| XXXX | 4350115879 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| XXXX | 4350115863 |  |  | XXXX | Loan Purpose | the1003Page | Refinance | Cash-Out Refinance | Audit Value Pulled From Final 1003. |
| XXXX | 4350115828 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | Condominium | Audit Value Pulled from Appraisal |
| XXXX | 4350115829 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115842 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115843 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115844 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115845 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115858 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit value pulled from Appraisal |
| XXXX | 4350115862 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115863 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115864 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115867 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115872 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115877 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115884 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115887 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 4350115830 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| XXXX | 4350115839 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| XXXX | 4350115876 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| XXXX | 4350115830 |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 74.31 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXX | 4350115881 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Audit value based on lender qualifying requirements. |
| XXXX | 4350115882 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Audit value based on lender qualifying requirements. |
| XXXX | 4350115883 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Audit value based on lender qualifying requirements. |
| XXXX | 4350115830 |  |  | XXXX | Qualifying LTV | propertyValuationPage | 74.31 | 75 | Audit Value of Subject Lien / Qualifying Value |
| XXXX | 4350115833 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.99 | 46.1 | Audit reflects difference in negative rental income per documents in the loan file. |
| XXXX | 4350115838 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.27 | 38.37 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX. |
| XXXX | 4350115839 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.81 | 18.91 | Audit liabilities were based on documents in the loan file. <br> Audit reflects more conservative income based on documents in the loan file. |
| XXXX | 4350115840 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.73 | 17.74 | Rounding |
| XXXX | 4350115845 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.48 | 23.12 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXX | 4350115851 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.41 | 5.58 | Audit reflects difference in subject HOA Dues per documents in the loan file and liabilities were based on the most recent credit report in the loan file dated XXXX. |
| XXXX | 4350115859 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.25 | 34.07 | Audit reflects difference in qualifying P & I and liabilities were based on the most recent credit report in the loan file dated XXXX |
| XXXX | 4350115860 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.03 | 34.07 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX |
| XXXX | 4350115862 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.02 | 22.99 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX | 4350115872 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.97 | 24.06 | Audit reflects difference in negative rental income per documents in the loan file. |
| XXXX | 4350115876 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.14 | 33.8 | Audit reflects difference in qualifying P & I than the approval. |
| XXXX | 4350115881 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.84 | 16.12 | Audit reflects difference in net rental loss of REO property per documents in the loan file. |
| XXXX | 4350115882 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.84 | 16.12 | Audit reflects difference in net rental loss of REO property per documents in the loan file.  |
| XXXX | 4350115883 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.84 | 16.12 | Audit value pulled from documents located in the loan file. |
| XXXX | 4350115884 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.67 | 19.26 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX |
| XXXX | 4350115888 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.65 | 9.97 | Audit DTI difference is due to new PITIA for refinanced primary residence. |

---

## Exhibit 99.25

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 4350115828 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Counter-Document Uploaded. - Due Diligence Vendor-XXXX <br> Counter- - Due Diligence Vendor-XXXX <br> Ready for Review-Missing the 12-month mortgage history for the borrower's primary residence at XXXX, the credit report reflects only 10 months payments itemized, and no previous residence verification was provided. Documentation provided was for the subject property which was already in the file. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. lender guidelines require a full 12-month mortgage history for the borrower's primary residence. Despite this requirement, the credit report only verifies 10 months of payments and no previous VOM/VOR was provided. - Due Diligence Vendor-XXXX |  | Resolved-Documentation uploaded. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115829 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Property type is ineligible due to Matrix does not allow 5-unit properties.. - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX | XXXX |  | FICO XXXX, XXXX>720 Min<br> LTV XXXX%, XXXX%<65% Max<br> mtg 0x30x50 vs 1x30x12 | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 4350115832 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX |  |  |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115832 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115835 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The final HUD/Settlement Statement is missing. Final HUD/Settlement Statement Not Provided, HUD in file is marked "XXXX". - Due Diligence Vendor-XXXX |  | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115837 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. here is the Note and FPL that is all you need here. - Buyer-XXXX <br>Open- The file is missing Final CD, Deed of Trust and First payment Letter for REO 3c (primary) that closed concurrently with the subject property. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115837 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Title show it is not a condo or PUD no HOA Fees - Seller-XXXX <br>Open-Missing Evidence of HOA Dues for Primary Residence - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Title show it is not a condo or PUD no HOA Fees - Seller-XXXX<br>| Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115837 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX <br>Ready for Review-Provided in other condition - Buyer-XXXX <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing Final CD, Deed of Trust and First payment Letter and HOA for REO 3c that closed concurrently with the subject property. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115837 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Title | Property Title Issue | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Property Title Issue The lender guidelines only allow the loan to be vested in an Entity for primary and second homes by lender exception only. The file is missing the lender exception. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXX |  | LTV XXXX% vs 75% max<br> FICO XXXX > 660 Minimum | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115837 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX - Due Diligence Vendor-XXXX |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115838 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Condition cleared. - Due Diligence Vendor-XXXX <br> Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements The file is missing VVOE with XXXX days of the Note for the Borrower's XXXX job. - Due Diligence Vendor-XXXX |  | Resolved-Condition cleared. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115838 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. Condition cleared. - Due Diligence Vendor-XXXX <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing The file is missing a VVOE with XXXX days of the Note for the Borrowers XXXX job listed on the final 1003. - Due Diligence Vendor-XXXX |  | Resolved-Received VVOE. Condition cleared. - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115839 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide supporting document to verify existence of business note more than XXXX days from note date - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115839 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Provide any of the following document CPA/Accountant, IRS Enrolled Agent, or Licensed Tax Preparer letter, operating agreement, or equivalent, reflecting the borrower's business ownership percentage. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115839 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. This is not TRID it is BPL, Non TRID - Buyer-XXXX <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115839 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115840 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Counter-Received a Final Settlement statement. The Fees on the statement do not match the final Closing disclosure. Provide PCCD or the correct Final Settlement Statement. Condition remains. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Subject property is located in a XXXX. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115841 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The Note is Incomplete Provide revised Note will be reflecting the correct XXXX ID for Broker - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115841 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Deed of Trust is Incomplete Provide revised DOT will be reflecting the correct XXXX ID for Broker - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115841 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX . - Due Diligence Vendor-XXXX |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115842 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Documentation provided. Finding Resolved.<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The final HUD/Settlement Statement is missing. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved.<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115844 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XXXX <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment history on the subject property. Per the Note, the borrower was required to make interest only payments during the XXXX phase. - Due Diligence Vendor-XXXX |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115845 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-XXXX & XXXX business bank statements are missing in file - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements B2 VOE is missing in loan file - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-XXXX <br>Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXXX) - Due Diligence Vendor-XXXX <br> Resolved-Document provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XXXX |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XXXX <br>Resolved-Document provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 9 month(s) FMC 16 - 30 yr fixed OO - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI XXXX% < 50% Max<br> Res Inc XXXX > 1.5K<br> Housing 0x30x72 vs 01x30x12<br> B1 SE XXXX yrs > 2 Yr Min<br> B2 SE XXXXyrs > 2 yrs min | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI XXXX% < 50% Max<br> Res Inc XXXX > 1.5K<br> Housing 0x30x72 vs 01x30x12<br> B1 SE XXXX yrs > 2 Yr Min<br> B2 SE XXXXyrs > 2 yrs min | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Borrower | Missing LOE for excessive credit inquiries | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Missing LOE for excessive credit inquiries LOX provided for credit inquiries on page#XXXX however it is not signed by both borrowers. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115846 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Seller-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Please waive - Seller-XXXX<br>| Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115847 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Counter-The lender provided the Final HUD-1, however there were multiple fee's that changed from the final CD. A PCCD is still required. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures.<br> This finding is non-material and will be rated a XXXX for all agencies. - Due Diligence Vendor-XXXX |  | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115847 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115851 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-GL requires income worksheet detailing income calculation however same is missing in the file. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115852 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-E-Consent documentation on TRID loan for borrower(s) provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115852 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive<br> - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115856 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Asset 1 Missing | Resolved-Received HUD from refinance of REO XXXX. Condition cleared. - Due Diligence Vendor-XXXX <br> Resolved-Asset 1 Provided - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Asset 1 Missing Cashout proceeds from refinance of REO XXXX is missing from the loan file. - Due Diligence Vendor-XXXX |  | Resolved-Received HUD from refinance of REO 4. Condition cleared. - Due Diligence Vendor-XXXX <br>Resolved-Asset 1 Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115858 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-XXXX |  | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXX |  | Res XXXX, XXXX>2 min<br> FICO XXXX, XXXX>660<br> DSCR XXXX, .XXXX>1.0 min<br> Pri Mtg 0x30xx42 vs 1x30x12<br> Subj Mtg 1st 0x30x36/2nd 0x30x24 vs 1x30x12 | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 4350115859 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved- - Due Diligence Vendor-XXXX <br> Rescinded-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. The Note is attached what do you mean the tax docs it was a purchase transaction, you would use the 1007 from the appraisal or $XXXX. I have uploaded the appraisal so you can see the 1007. - Seller-XXXX <br> Open-REO 1 is concertante loan. We have Insurance & HOA related documents in loan file. However, we required supporting documents for P&I and Tax documents for calculating the rental income for REO 1. Upon receipt of required documents, additional conditions may apply - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. The Note is attached what do you mean the tax docs it was a purchase transaction, you would use the 1007 from the appraisal or $XXXX. I have uploaded the appraisal so you can see the 1007. - Seller-XXXX | Rescinded-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115859 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX <br>Ready for Review-See other conditions for docs - Seller-XXXX <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements REO 1 is concertante loan. We have Insurance & HOA related documents in loan file. However, we required supporting documents for P&I and Tax documents for calculating the rental income for REO 1. - Due Diligence Vendor-XXXX | Ready for Review-See other conditions for docs - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115859 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Confirmation of Final Figures: Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115859 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of ($XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated (XXXX), reflects a general Lender Credit of ($XXXX) in Section J. Final CD dated (XXXX) reflects a general Lender Credit of ($XXXX) in Section J. The loan file did not contain a valid COC to support the decrease - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115859 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXXX). The actual total fee amount shows a credit amount of ($XXXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated (XXXX), reflects a general Lender Credit of ($XXXX) in Section J. Final CD dated (XXXX) reflects a general Lender Credit of ($XXXX) in Section J. The loan file did not contain a valid COC to support the decrease - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115860 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The borrower's primary residence was recently originated with same lender. The file is missing the Final CD and Note required to validate the P&I. Additional conditions may apply. - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115860 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Counter-Deed was uploaded. Please upload the final HUD. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Final HUD-1 Document is missing. - Due Diligence Vendor-XXXX | The lender provided the required documentation. Condition resolved. - XXXX <br>| Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115861 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Audited FICO of XXXX is less than Guideline FICO of 720 - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXX |  | Reserves XXXX months, XXXX>2 month min<br> Housing History 0x30x99<br> Experienced Investor | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115861 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Hazard Insurance Policy Partially Provided Premium amount is not present on the policy document - Due Diligence Vendor-XXXX |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115865 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower has qualified using 12-month bank statement but XXXX bank statement is missing and As per matrix 9 months reserves are required however only XXXX months reserves are provided. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115865 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guidelines require non-institutional party VOR to also provide either the last 12 months cancelled checks or bank statements for verification of no late payments. The file is missing last 12 months cancelled checks or bank statements. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115865 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Borrower has qualified using 12 months bank statement; however, XXXX bank statement is missing. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115865 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI XXXX% < 50% max<br> Res Inc XXXX > 1.5k min<br> SE XXXX years > 2 yr min | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115865 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements The lender guidelines require non-institutional party VOR to also provide either the last 12 months cancelled checks or bank statements for verification of no late payments. The file is missing last 12 months cancelled checks or bank statements. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI XXXX% < 50% max<br> Res Inc XXXX > 1.5k min<br> SE XXXX years > 2 yr min<br> Housing History 0x30x24 vs 1x30x12 max | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115865 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br> Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX <br>Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI XXXX% < 50% max<br> Res Inc XXXX > 1.5k min<br> SE XXXX years > 2 yr min | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115869 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income calc. worksheet uploaded. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Provide missing income worksheet detailing income calculations - Due Diligence Vendor-XXXX |  | Resolved-Lender income calc. worksheet uploaded. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115872 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115876 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Title | Property Title Issue | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Property Title Issue The lender guidelines require a lender exception for Primary and Second hones to be vested in an Entity. The file is missing the lender exception. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXX |  | FICO XXXX, XXXX pts>680 min<br> DTI XXXX%, XXXX%<50.00% max<br> Res XXXX mo, XXXX>3 mo min | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115880 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX <br> Open-Missing document to validate additional dues of $XXXX reflecting under Monthly Insurance, Taxes, Association Dues, etc of REO 3a of final 1003. - Due Diligence Vendor-XXXX | Doc uploaded - XXXX <br>| Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115880 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing document to validate additional dues of $XXXX reflecting under Monthly Insurance, Taxes, Association Dues, etc of REO 3a of final 1003. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documents. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115880 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Subject property is located in a dry funding state. The final Settlement Statement in file reflects difference in Title endorsement fee - $XXXX, Title Messenger Fee - $XXXX, Recording Fees $XXXX, Wire Fee $XXXX, Processing Fee of $XXXX vs $XXXX. Provide PCCD with final figures. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115881 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |  | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115882 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |  | Resolved-Final HUD provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115883 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX . - Due Diligence Vendor-XXXX |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115883 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Preliminary/Estimated only | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Final HUD-1: Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115883 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Evidence of property taxes for property REO 3H # on the B2's final application not provided. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115885 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Waived-Document Uploaded. - Due Diligence Vendor-XXXX <br> Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Open-Subject property is XXXX acres which is greater that the max allowed of XXXX per lender guidelines. - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Waived-Document Uploaded. - Due Diligence Vendor-XXXX <br>Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXX |  | XXXX FICO, XXXX>700 Min<br> XXXX months reserves, XXXX>9 required<br> XXXX% LTV, XXXX%<65% Max | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115885 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Waived-Document Uploaded. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a XXXX. - Due Diligence Vendor-XXXX <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-XXXX |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX <br>Waived-Document Uploaded. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-XXXX<br>| XXXX |  | XXXX FICO, XXXX>700 Min<br> XXXX months reserves, XXXX>6 required<br> XXXX% LTV, XXXX%<65% Max | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350115886 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided. Finding Resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Missing Approval/Underwriting Summary 1008 is missing in file. GLs required underwriting Summary document - Due Diligence Vendor-XXXX |  | Resolved-1008 provided. Finding Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115886 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Please waive - Buyer-XXXX <br> Open-XXXX value equals XXXX, secondary product within tolerance. This finding will be rated a XXXX for XXXX. All other agencies will be rated as XXXX . - Due Diligence Vendor-XXXX |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350115888 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-The lender guidelines require 24 consecutive months bank statements to calculate income. The file is missing XXXX bank statement. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350115888 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Lenders Income calculation worksheet in file does not match the income on the Final 1003 and 1008. Please provided Lender income worksheet used for final income. - Due Diligence Vendor-XXXX |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.26

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.26**

![](ex9931001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Lone Star Residential Acquisitions, LLC ("Client"). The review was conducted between April 2025 and July 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 33 Non-QM loans and 33 ATR/QM exempt loans for a total of 66 loans the "Final Securitization Population".

*<u>Credit Reviews (66):</u>*

During the Review, Selene performed a credit review on 66 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (66)</u>*

During the Review, Selene performed a compliance review, when applicable on 66 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (66):</u>*

During the Review, Selene performed a property valuation review on 66 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (66):</u>*

During the Review, Selene performed a Data Integrity Review on 66 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 66 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;66 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;66 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;66 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;66 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P") (the "NRSRO").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Advantage Guidelines, Northpointe Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines (collectively the "Guidelines")

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**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

**<u>SCOPE OF REVIEW</u>**

Selene 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. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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● **Value Supported Analysis** 

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

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 66 mortgage loans, (ii) a Compliance Review on 66 mortgage loans (iii) a Valuation Review on 66 mortgage loans, and (iv) a Data Integrity Review on 66 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 66 mortgage loans; 45 mortgage loans had a rating grade of A, 21 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (66 overall loans):*** | &nbsp;&nbsp;***Grades per loan (66 overall loans):*** | &nbsp;&nbsp;***Grades per loan (66 overall loans):*** | &nbsp;&nbsp;***Grades per loan (66 overall loans):*** |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;30.30% | &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;68.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;31.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;10 | &nbsp;&nbsp;15.15% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;30 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
| | &nbsp;&nbsp;**FINAL RA GRADES -**<br> **COMPLIANCE**  | &nbsp;&nbsp;**FINAL RA GRADES -**<br> **COMPLIANCE**  | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;65 | &nbsp;&nbsp;98.48% | &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;74.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;25.76% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;95.45% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.55% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

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

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and
confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for
the borrowers and confirm that the variations have been addressed in the loan file;

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&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on
the borrowers' address history and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any
issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with
the borrowers' profiles and confirm the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable,
 on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure;
 and (ii) verify the data against the NMLSR database, as available.

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

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

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

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

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

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

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

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

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

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

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **15**

COLT 2025-8 Executive Summary (Selene Diligence LLC)

**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
 Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration<br>
 Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
 Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

Page **13** of **15**

COLT 2025-8 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX
 Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI
 Responsible High Cost Mortgage Lending Act

Page **14** of **15**

COLT 2025-8 Executive Summary (Selene Diligence LLC)

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ 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.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

COLT 2025-8 Executive Summary (Selene Diligence LLC)

## Exhibit 99.27

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.27**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 4350115889 | XXXX |  |  | XXXX D C A B |
| 4350115890 | XXXX |  |  | XXXX D A B |
| 4350115891 | XXXX |  |  | XXXX C A D B |
| 4350115892 | XXXX |  |  | XXXX A D B |
| 4350115893 | XXXX |  |  | XXXX A |
| 4350115894 | XXXX |  |  | XXXX D C A B |
| 4350115895 | XXXX |  |  | XXXX D A |
| 4350115896 | XXXX |  |  | XXXX D A |
| 4350115897 | XXXX |  |  | XXXX A D B |
| 4350115898 | XXXX |  |  | XXXX D A |
| 4350115899 | XXXX |  |  | XXXX A |
| 4350115900 | XXXX |  |  | XXXX D A |
| 4350115901 | XXXX |  |  | XXXX A |
| 4350115902 | XXXX |  |  | XXXX A D |
| 4350115903 | XXXX |  |  | XXXX D A |
| 4350115904 | XXXX |  |  | XXXX A |
| 4350115905 | XXXX |  |  | XXXX A |
| 4350115906 | XXXX |  |  | XXXX C A B |
| 4350115907 | XXXX |  |  | XXXX A |
| 4350115908 | XXXX |  |  | XXXX A D |
| 4350115909 | XXXX |  |  | XXXX A |
| 4350115910 | XXXX |  |  | XXXX D A |
| 4350115911 | XXXX |  |  | XXXX D A |
| 4350115912 | XXXX |  |  | XXXX C A |
| 4350115913 | XXXX |  |  | XXXX C A |
| 4350115914 | XXXX |  |  | XXXX C A |
| 4350115915 | XXXX |  |  | XXXX A |
| 4350115916 | XXXX |  |  | XXXX B A |
| 4350115917 | XXXX |  |  | XXXX A |
| 4350115918 | XXXX |  |  | XXXX A |
| 4350115919 | XXXX |  |  | XXXX C D A B |
| 4350115920 | XXXX |  |  | XXXX D A |
| 4350115921 | XXXX |  |  | XXXX B A |
| 4350115922 | XXXX |  |  | XXXX A |
| 4350115923 | XXXX |  |  | XXXX D A |
| 4350115924 | XXXX |  |  | XXXX B A |
| 4350115925 | XXXX |  |  | XXXX C A B |
| 4350115926 | XXXX |  |  | XXXX C A |
| 4350115927 | XXXX |  |  | XXXX A |
| 4350115928 | XXXX |  |  | XXXX D A |
| 4350115929 | XXXX |  |  | XXXX D A |
| 4350115930 | XXXX |  |  | XXXX D A |
| 4350115931 | XXXX |  |  | XXXX B A |
| 4350115932 | XXXX |  |  | XXXX B A |
| 4350115933 | XXXX |  |  | XXXX A |
| 4350115934 | XXXX |  |  | XXXX C A B |
| 4350115935 | XXXX |  |  | XXXX D A |
| 4350115936 | XXXX |  |  | XXXX A |
| 4350115937 | XXXX |  |  | XXXX D A B |
| 4350115938 | XXXX |  |  | XXXX A D |
| 4350115939 | XXXX |  |  | XXXX A |
| 4350115940 | XXXX |  |  | XXXX C A |
| 4350115941 | XXXX |  |  | XXXX D A B |
| 4350115942 | XXXX |  |  | XXXX D A B |
| 4350115943 | XXXX |  |  | XXXX A |
| 4350115944 | XXXX |  |  | XXXX D A |
| 4350115945 | XXXX |  |  | XXXX C A |
| 4350115946 | XXXX |  |  | XXXX D A B |
| 4350115947 | XXXX |  |  | XXXX A |
| 4350115948 | XXXX |  |  | XXXX A |
| 4350115949 | XXXX |  |  | XXXX D C A |
| 4350115950 | XXXX |  |  | XXXX A |
| 4350115951 | XXXX |  |  | XXXX D A |
| 4350115952 | XXXX |  |  | XXXX C A B |
| 4350115953 | XXXX |  |  | XXXX B A |
| 4350115954 | XXXX |  |  | XXXX A |

---

## Exhibit 99.28

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 4350115889 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Received clarification on gift funds, first time investor using gift funds, waiving the condition with comp factors. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. The borrower's rental property is a 2 unit, his primary is an SFR. The value will be higher on the 2 unit. - Seller-XXXX <br> Counter-Guidelines require borrower's primary residence superior to the subject property, we couldn't locate any clarification on this - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Borrower provided LOE regarding primary residence. 1003 pg 1 provided to evidence correct primary residence. - Buyer-XXXX <br> Open-Loan does not conform to program guidelines Borrower is a first time-investor, gift funds not allowed to be utilized - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. The borrower's rental property is a 2 unit, his primary is an SFR. The value will be higher on the 2 unit. - Seller-XXXX<br>| Waived-Received clarification on gift funds, first time investor using gift funds, waiving the condition with comp factors. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. DSCR XXXX in excess of min 1.0<br> 2. Reserves XXXX months in excess of 3months required | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | 4350115889 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received complete flood certificate, condition has been resolved and cleared. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br>Counter-Life of Loan verbiage missing from flood cert - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Flood Certificate is Partially Provided Flood Cert in file is incomplete - Due Diligence Vendor-XXXX | Ready for Review-Flood Cert with life of loan determination uploaded. - Due Diligence Vendor-XXXX <br>| Resolved-Received complete flood certificate, condition has been resolved and cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115889 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Finding resolved, XXXX gift for each loan - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Gift letter was XXXX for each loan - XXXX and XXXX. Please see attached gift letter as it lists both properties and sellers loan numbers. - Buyer-XXXX <br> Open-Final Closing disclosure lists gift deposit for XXXX, gift letter and wire confirmation shows a deposit of XXXX - Due Diligence Vendor-XXXX |  | Resolved-Finding resolved, XXXXk gift for each loan - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115890 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Received clarification on gift funds, first time investor using gift funds, waiving the condition with comp factors. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Per UW: the borrower's rental property is a 2 unit I believe, his rental is 1. The value will be higher on the 2 unit.<br>- Seller-XXXX <br> Counter-Guidelines require borrower's primary residence superior to the subject property, we couldn't locate any clarification on this. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Borrower provided LOE regarding primary residence. 1003 pg 1 provided to evidence correct primary residence. - Seller-XXXX <br> Open-Loan does not conform to program guidelines Borrower is a first time-investor, gift funds not allowed to be utilized - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Per UW: the borrower's rental property is a 2 unit I believe, his rental is 1. The value will be higher on the 2 unit.<br>- Seller-XXXX <br>Ready for Review-Document Uploaded. Borrower provided LOE regarding primary residence. 1003 pg 1 provided to evidence correct primary residence. - Seller-XXXX<br>| Waived-Received clarification on gift funds, first time investor using gift funds, waiving the condition with comp factors. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. DSCR XXXX in excess of min 1.0<br> 2. Reserves XXXX months in excess of 3months required | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | 4350115890 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Finding resolves, wire and gift letter uploaded - Due Diligence Vendor-XXXX <br> Counter-Missing wire instructions for deposit of gift funds - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Missing gift letter and deposit of XXXX - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Finding resolves, wire and gift letter uploaded - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115890 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Flood cert with complete verbiage received. Finding has been resolved and cleared. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br>Counter-Missing life of loan verbiage on flood cert - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Counter-Received flood cert, missing lender/service name and life of loan verbiage - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Flood Certificate is Partially Provided Flood Cert in file is incomplete - Due Diligence Vendor-XXXX | Ready for Review-Flood cert with correct verbiage is uploaded - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Flood cert with complete verbiage received. Finding has been resolved and cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115890 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-disclosures of any kind are not required on DSCR loans. Please clear - Seller-XXXX <br>Open-The Initial 1003 is Missing Initial 1003 is Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-disclosures of any kind are not required on DSCR loans. Please clear - Seller-XXXX<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115891 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Secondary valuation performed after Declaration end period verifies no damage. - Due Diligence Vendor-XXXX <br> Open-Property potentially affected by XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.<br> - Due Diligence Vendor-XXXX |  | Resolved-Secondary valuation performed after Declaration end period verifies no damage. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115891 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-Re-cert of value provided supporting appraised value of XXXX. - Due Diligence Vendor-XXXX <br> Counter-Update provided. However, per GL's, updates are not allowed on appraisals older than 180 days from the Note date. Update is for appraisal dated XXXX which is XXXX days prior to Note date XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Is this all set? Please advise. - Seller-XXXX <br> Counter-Update provided. However, per GL's, updates are not allowed on appraisals older than 180 days from the Note date. Update is for appraisal dated XXXX which is XXXX days prior to Note date XXXX. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Provide 2nd appraisal. Appraisal provided is expired. Appraisal is greater than 180 days old. Guidelines require a 2nd appraisal. Appraisal updates are allowed on appraisals older than 120 days from the date of the Note, but not older than 180 days from the date of the Note. - Due Diligence Vendor-XXXX | Ready for Review-Rebuttal via email for secondary review - Due Diligence Vendor-XXXX <br>Ready for Review-Is this all set? Please advise. - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Re-cert of value provided supporting appraised value of $XXXX. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115891 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Business Entity EIN document for LLC provided. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Provide Business Entity EIN for LLC that is signed in NOTE & DOT for XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Business Entity EIN document for LLC provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115891 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Articles of Incorporation & comparable documents for LLC provided. - Due Diligence Vendor-XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached - Seller-XXXX <br> Open-Entity Formation Doc Indicator is Missing. Provide Articles of Incorporation or comparable documents for LLC that is signed in NOTE & DOT for XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Articles of Incorporation & comparable documents for LLC provided. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115891 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-We have exception in file on page XXXX for "1) The Project's recorded Condo Declaration is missing 3 required mortgagee protections: a.) No provision of the condo project documents gives a condo unit owner or any other party priority over any rights of the first mortgagee of the condo unit pursuant to its mortgage in the case of payment to the unit owner of insurance proceeds or condemnation awards for losses to or a taking of condo units and/or common elements.", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX |  | Waived-We have exception in file on page #XXXX for "1) The Project's recorded Condo Declaration is missing 3 required mortgagee protections: a.) No provision of the condo project documents gives a condo unit owner or any other party priority over any rights of the first mortgagee of the condo unit pursuant to its mortgage in the case of payment to the unit owner of insurance proceeds or condemnation awards for losses to or a taking of condo units and/or common elements.", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX | XXXX |  | Originator Comp Factors:<br> 1. LTV is XXXX%. Maximum allowed per guidelines is 65%.<br> 2. Credit Score is XXXX. Minimum required per guidelines is 700.<br> 3. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115891 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-We have Exception in file on page XXXX for "1) Seasoning for delayed refinance began as a 50% owned at time of cash purchase, added other 1%<br> ownership between purchase and refi", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX |  | Waived-We have Exception in file on page #670 for "1) Seasoning for delayed refinance began as a 50% owned at time of cash purchase, added other 1%<br> ownership between purchase and refi", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX<br>| XXXX |  | Originator Comp Factors:<br> 1. LTV is XXXX%. Maximum allowed per guidelines is 65%.<br> 2. Credit Score is XXXX. Minimum required per guidelines is 700.<br> 3. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115892 | XXXX |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance XXXX | Cured-PCCD, Letter of Explanation, and evidence of customer receipt provided and cures the issue. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached - Seller-XXXX <br> Counter-Under review by Compliance and Legal - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached explanation - Seller-XXXX <br> Open-Missing CD on or within 3 days of the XXXX. There is a CoC in file for the survey fee change, however no disclosure within 3 days of this date in file. - Due Diligence Vendor-XXXX <br> Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Survey Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). CoC in file, CD is missing to match. - Rescinded.<br> Survey Fee Increased in Final CD. No COC or Lender Credits provided to cure the Tolerance. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Ready for Review-Document Uploaded. See attached explanation - Seller-XXXX<br>| Cured-PCCD, Letter of Explanation, and evidence of customer receipt provided and cures the issue. - Due Diligence Vendor-XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Survey Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). CoC in file, CD is missing to match. - Rescinded.<br> Survey Fee Increased in Final CD. No COC or Lender Credits provided to cure the Tolerance. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115892 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD provided, separate finding opened for survey fee. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Attached - Seller-XXXX <br>Counter-PCCD provided is dated for the close date and was not updated to reflect the date the correction was made. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-TRID: Missing Closing Disclosure Survey Fee Increased on XXXX. While there is a CoC in file, there is no disclosure on or within 3 days of the increase. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-PCCD provided, separate finding opened for survey fee. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115892 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Undiscounted rate provided. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Unable to verify Undiscounted Rate. No discount point fee disclosure or alternate document in file to verify Undiscounted Rate. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Undiscounted rate provided. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115894 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Corrected 1008 & 1003 received. System updated. Lender's DTI now matches the Audit's DTI. Issue resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XXXX <br> Counter-SSI calculations received. However, per the calculations, the qualifying SSI incomes are $XXXX for B1 & B2 respectively. Per the 1003 & 1008, qualifying SSI incomes were XXXX respectively. Calculations do not match the 1003/1008. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Counter-The provided documents on XXXX still do not reference the calculation of the Social Security incomes. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached - Seller-XXXX <br> Counter-Residual Income Worksheet received, as well as both Asset Depletion worksheets. The SSI Award letters were received, but not the income calculations for them. Per guidelines for Non-Taxable income: "▪ Use the tax rate used to calculate the borrower's last year's income tax. ▪ Document and support the amount of income grossed up for any non-taxable income source. ▪ The calculation must be included in the loan file." The calculation of the SSI incomes are not in the loan file, and the qualifying payment amounts (per the Final 1003) do not match the award letter. Calculation to show the qualifying payment amounts needed. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached - Seller-XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. B2 Asset depletion calculator missing from file. Additionally, the Social Security income calculators for both borrowers are missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Corrected 1008 & 1003 received. System updated. Lender's DTI now matches the Audit's DTI. Issue resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115894 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance XXXX | Resolved-All COCs received. System updated. Mavent passes. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. see attached - Seller-XXXX <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX. • Points increased from $XXXX on the XXXX LE to $XXXX on the XXXX LE; then it decreased to $XXXX on the XXXX CD, only to increase again to $XXXX on the 4XXXX CD. No COC's provided. <br>• Appraisal Fee increased from $XXXX on the Initial LE XXXX to XXXX on the XXXX Revised LE. No COC provided. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. see attached - Seller-XXXX<br>| Resolved-All COCs received. System updated. Mavent passes. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115894 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | DTI exceeds program maximum | Waived-Exception Provided on page #XXXX:<br> "Borrowers DTI up to XXXX% until later property sale" - Due Diligence Vendor-XXXX |  | Waived-Exception Provided on page #487:<br> "Borrowers DTI up to 55% until later property sale" - Due Diligence Vendor-XXXX<br>| XXXX |  | Originator Comp Factors:<br> 1. LTV is XXXX%. Maximum allowed per guidelines is 65%.<br> 2. Credit Score is XXXX. Minimum required per guidelines is 700.<br> 3. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115895 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved- - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Counter-Per asset utilization requirement, 6 months seasoning of all assets is needed. <br>Asset Utilization Program:<br>• 6 months seasoning of all assets required<br> • All asset documentation may not be more than 30 days old at the time of application (or <br> most recent quarterly documentation, if applicable). <br> - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide 1 additional month statement for XXXX. 2 months of statements are needed. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  | Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115895 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved-Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Counter-Per asset utilization requirement, 6 months seasoning of all assets is needed. <br>Asset Utilization Program:<br>• 6 months seasoning of all assets required<br> • All asset documentation may not be more than 30 days old at the time of application (or <br> most recent quarterly documentation, if applicable). <br> - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Asset 6 Does Not Meet Guideline Requirements Provide 1 additional month statement for XXXX. 2 months of statements are needed.<br>- Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Resolved-Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115895 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved-Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Counter-Per asset utilization requirement, 6 months seasoning of all assets is needed. <br>Asset Utilization Program:<br>• 6 months seasoning of all assets required<br> • All asset documentation may not be more than 30 days old at the time of application (or <br> most recent quarterly documentation, if applicable). <br> - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Asset 6 Does Not Meet Guideline Requirements Provide 1 additional month statement for XXXX. 2 months of statements are needed.<br>- Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Resolved-Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115895 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 8 Does Not Meet Guideline Requirements | Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Resolved-Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Counter-Per asset utilization requirement, 6 months seasoning of all assets is needed. <br>Asset Utilization Program:<br>• 6 months seasoning of all assets required<br> • All asset documentation may not be more than 30 days old at the time of application (or <br> most recent quarterly documentation, if applicable). <br> - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Asset 6 Does Not Meet Guideline Requirements Provide 1 additional month statement for XXXX. 2 months of statements are needed.<br>- Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Asset 8 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br>Resolved-Received LOE and statements. The first page is the cover page to show the account numbers. The preceding pages are the actual quarterly statements. The guidelines state the most recent quarterly statement is acceptable. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115895 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Complete Third Party Fraud Report Provided. - Due Diligence Vendor-XXXX <br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Third Party Fraud Report Partially Provided Loan Participant Analysis Present on page #XXXX, Provide full Third Party Fraud Report. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Complete Third Party Fraud Report Provided. - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115896 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Depletion Calculator Provided. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset Depletion Worksheet for Borrower 1. <br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Asset Depletion Calculator Provided. - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115896 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-received BP&OA - resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide executed notarized Business Purpose Affidavit. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-received BP&OA - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115896 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Rate lock agreement dated XXXX. - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Evidence of Rate Lock Missing Provide rate lock agreement. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received Rate lock agreement dated XXXX. - Due Diligence Vendor-XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115897 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approval on page XXXX: Property is in declining market and would like LTV to remain 80%. - Due Diligence Vendor-XXXX <br> Waived-Exception Approval on page XXXX:<br> Property is in declining market and would like LTV to remain 80%. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval on page 371: Property is in declining market and would like LTV to remain 80%. - Due Diligence Vendor-XXXX <br>Waived-Exception Approval on page 371:<br> Property is in declining market and would like LTV to remain 80%. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Credit Score is XXXX. Minimum required per guidelines is 720.<br> 2.DSCR is XXXX. Minimum required per guidelines is 0.75.<br> 3.Property did appraise for $XXXK within present market, supporting more than $XXXXK contract price, DSCR well over <br> 1.0 | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350115897 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Received Deed of Trust. Also received prepayment and 1-4 rider. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XXXX <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. attached - Seller-XXXX<br>| Resolved-Received Deed of Trust. Also received prepayment and 1-4 rider. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115897 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Received Deed of Trust. Also received prepayment and 1-4 rider. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Received Deed of Trust. Also received prepayment and 1-4 rider. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Prepayment Rider provided is sufficient - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Rider attached to mortgage - Seller-XXXX <br>Open-Provide Prepayment rider. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Rider attached to mortgage - Seller-XXXX<br>| Resolved-Received Deed of Trust. Also received prepayment and 1-4 rider. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Received Deed of Trust. Also received prepayment and 1-4 rider. Condition resolved. - Due Diligence Vendor-XXXX <br>Resolved-Prepayment Rider provided is sufficient - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115898 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income unknown | Resolved-Received income calculator. Minimum reserve requirement of $XXXX met. Reserves listed on 1008. Condition resolved. - Due Diligence Vendor-XXXX <br> Cured-Received income calculator. Minimum reserve requirement of $XXXX met. Reserves listed on 1008. Condition resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. see attached - Seller-XXXX <br> Open-Provide Residual income calculation sheet. DTI is above XXXX%. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. see attached - Seller-XXXX<br>| Resolved-Received income calculator. Minimum reserve requirement of $XXXX met. Reserves listed on 1008. Condition resolved. - Due Diligence Vendor-XXXX <br> Cured-Received income calculator. Minimum reserve requirement of $XXXX met. Reserves listed on 1008. Condition resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115898 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided and updated. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. CD for XXXX and audit log - Seller-XXXX <br> Open-TRID: Missing Closing Disclosure Provide CD dated XXXX. Received COC dated XXXX and XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. CD for XXXX and audit log - Seller-XXXX | Resolved-Initial CD provided and updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115898 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received Deed of Trust with PUD rider. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. PUD rider attached to recorded mortgage - attached - Seller-XXXX <br>Open-PUD Rider is Missing Provide PUD Rider. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. PUD rider attached to recorded mortgage - attached - Seller-XXXX<br>| Resolved-Received Deed of Trust with PUD rider. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115898 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Attached is the DOT with PUD rider - Seller-XXXX <br>Open-The Deed of Trust is Missing Provide Deed of Trust. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Attached is the DOT with PUD rider - Seller-XXXX<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115898 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset Depletion calculator provided.<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Asset depletion calc attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset Depletion calculator for B1 to verify Asset Depletion income. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Asset depletion calc attached - Seller-XXXX<br>| Resolved-Asset Depletion calculator provided.<br> - Due Diligence Vendor-XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115900 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Documentation verifying asset provided. Resolved. - Due Diligence Vendor-XXXX <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Seller-XXXX <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing documentation for XXXX verifying XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Documentation verifying asset provided. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115900 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE Missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115901 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is reflecting 'XXXX', however Qualifying FICO from the Credit Liabilities Page is 'XXXX'<br> Per GLs "primary wage earner mid score" - Due Diligence Vendor-XXXX |  | Resolved-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is reflecting 'XXXX', however Qualifying FICO from the Credit Liabilities Page is 'XXXX'<br> Per GLs "primary wage earner mid score" - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115902 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Resolved-received CDA with moderate score - resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Counter-CU score is 3.5. Please provide an additional product that supports value at origination within -10% or LCA score < 2.6. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. CU score is 1. Please advise. - Seller-XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary valuation or additional valuation is missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. CU score is 1. Please advise. - Seller-XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XXXX <br>Resolved-received CDA with moderate score - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115902 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Resolved-Certificate of Occupancy accepted as an alternate document for 1004D verifying home is 100% completed. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-1004D Completion Report is missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Certificate of Occupancy accepted as an alternate document for 1004D verifying home is 100% completed. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115903 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received fully executed notarized Business Purpose Affidavit. Condition is resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Counter-Unable to rescind, this screen shot shows the funds were for consumer use and would therefore be subject to TRID testing. Please provide a Business Purpose Affidavit signed by the borrower. If unable to provide, we will test Compliance and determine the grade based on results. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached and consider rescinding - Seller-XXXX <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide fully executed notarized Business Purpose Affidavit. Initial and final missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached and consider rescinding - Seller-XXXX<br>| Resolved-Received fully executed notarized Business Purpose Affidavit. Condition is resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115903 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received signed and dated rent free letter from homeowner. Condition resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Counter-Guidelines require a LOE from the property owner verifying rent-free status. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide rent free letter from homeowner where the borrower is living rent free. <br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received signed and dated rent free letter from homeowner. Condition resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115906 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception made for seller concessions exceeding 2%, currently at 4% - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Seller credit is at 4%, maximum allowed only 2%. - Due Diligence Vendor-XXXX |  | Waived-Exception made for seller concessions exceeding 2%, currently at 4% - Due Diligence Vendor-XXXX<br>| XXXX |  | Originator Comp Factors:<br> 1. DSCR is XXXX. Minimum required per guidelines is 1.<br> 2. No mortgage lates in XXXX_ years<br> 3. Credit Score is XXXX. Minimum required per guidelines is 660. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350115906 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Tradeline minimum has not met guidelines | Resolved-Requested Credit Report provided with to whom the tradelines are reported hence resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Credit report verification of tradelines does clarify between B1 and B2 tradelines. - Due Diligence Vendor-XXXX |  | Resolved-Requested Credit Report provided with to whom the tradelines are reported hence resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115908 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-received Excecuted MTg with riders - Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Prepayment Rider missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-received Excecuted MTg with riders - Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 4350115908 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-received DOT - resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The Deed of Trust is Missing Deed of Trust is Missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-received DOT - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 4350115910 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated housing history provided. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 1003 updated. And VORs match - Seller-XXXX <br>Open-The Final 1003 is Incomplete 2 year housing history does not match VOR provided - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1003 updated. And VORs match - Seller-XXXX<br>| Resolved-Updated housing history provided. Resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115910 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. 1003 updated. And VORs match - Seller-XXXX <br> Counter-VOR reflects rental history from XXXX to XXXX XXXX. History does not match Final 1003 which only reflects residing in property for 0 years and 2 months. LOX for XXXX month discrepancy required. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. VOR - Seller-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Housing history is XXXX months, as per final 1003-page 853 borrower is living on rent. VOR or XXXX months housing history missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1003 updated. And VORs match - Seller-XXXX <br>Ready for Review-Document Uploaded. VOR - Seller-XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115910 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Gap credit report missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115910 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Page 2 of contract removing $XXXX EMD and initialed by buyer and seller provided. Resolved. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Updated contract removing the EMD - Seller-XXXX <br> Counter-LOX for $XXXX EMD being disclosed on all LE's and Initial CD but not included on Final CD missing from file. - Due Diligence Vendor-XXXX <br> Ready for Review-UW Response: XXXX Rule= EMD less than 1% is not required to be verified. This is $XXXX which is far less than 1% of the sales price. - Seller-XXXX <br> Open-As per agreement page 197 shows $XXXX as earnest money whereas as per final CD page 77 there is no deposit, provide addendum for earnest money - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Updated contract removing the EMD - Seller-XXXX <br> Ready for Review-UW Response: XXXX Rule= EMD less than 1% is not required to be verified. This is $XXXX which is far less than 1% of the sales price. - Seller-XXXX | Resolved-Page 2 of contract removing XXXX EMD and initialed by buyer and seller provided. Resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115910 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal 2 missing | Resolved-received second full appraisal - resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 2nd Appraisal - Seller-XXXX <br>Open-Per PCCD/CD second appraisal fee collected. Second Appraisal missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 2nd Appraisal - Seller-XXXX<br>| Resolved-received second full appraisal - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115910 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. 1008 - Seller-XXXX <br>Open-The 1008 document is missing from the loan file. 1008, page 880, reflects income and DTI. Asset Utilization Worksheet (100% coverage), page 651 reflects 100% coverage calculation with no dti and there is no income in final 1003 page 853. Additionally, 1008 reflects Risk Assessment as AUS/DU. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. 1008 - Seller-XXXX<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115911 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-PDI received no damage noted - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. see attached - Seller-XXXX <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX without an Incident End Date with Public Assistance: NO and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. see attached - Seller-XXXX<br>| Resolved-PDI received no damage noted - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115911 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received asset utilization calculator - resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. B1 has Asset Depletion Income of $XXXX,unable to verify. Need Asset Depletion Calculator which is missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-received asset utilization calculator - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115912 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Updated asset page with wire confirmation - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br>Open-Need the wire confirmation for the proceeds from the sale of property. - Due Diligence Vendor-XXXX <br>Open-Need the wire confirmation for the funds - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX<br>| Resolved-Updated asset page with wire confirmation - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115913 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated DSCR Worksheet uploaded, Calculated DSCR matches with the DSCR worksheet, Verified - Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX <br> Open-Provided updated DSCR calculator. DSCR Calculator provided does not include the monthly HOA amount of $XXXX in PITIA. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached. - Seller-XXXX<br>| Resolved-Updated DSCR Worksheet uploaded, Calculated DSCR matches with the DSCR worksheet, Verified - Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115914 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Disaster Report provided. Free and clear of disaster related damage. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Disaster Report - Seller-XXXX <br> Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX without an Incident End Date with Public Assistance: NO and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Disaster Report - Seller-XXXX<br>| Resolved-Disaster Report provided. Free and clear of disaster related damage. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115914 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing history is less than 12 months, Provided Vom and Property report, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. UW Response: VOM<br> Borrower acquired primary XXXX. This matches the property profile uploaded to file and matches the credit supplement you are referencing. See screen shots attached. Mortgage was transferred to another lender. XXXX was original lender from XXXX. Affiliate Mortgage is now current lender. <br>- Seller-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Verified only 10 months housing history as per supplemental credit page 221, Provide 12 months housing history for B1 and B2 - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. UW Response: VOM<br> Borrower acquired primary XXXX. This matches the property profile uploaded to file and matches the credit supplement you are referencing. See screen shots attached. Mortgage was transferred to another lender. XXXX Housing was original lender from XXXX- XXXX. Affiliate Mortgage is now current lender. <br>- Seller-XXXX | Resolved-Housing history is less than 12 months, Provided Vom and Property report, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115914 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Signed 1003 provided and updated. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Initial 1003 - Seller-XXXX <br>Open-Initial apps in file not signed by borrowers nor the originator. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Initial 1003 - Seller-XXXX<br>| Resolved-Signed 1003 provided and updated. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115914 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA SSR report provided. Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. XXXX - Seller-XXXX <br> Open-For securitization, a second property valuation needs to be provided. File needs a XXXX and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Freddie SSR - Seller-XXXX<br>| Resolved-LCA SSR report provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115914 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX, Finding reflects escrows. Rate lock date was entered correctly – see XXXX. An interior and exterior appraisal was completed for this property – see XXXX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. XXXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX, Finding reflects escrows. Rate lock date was entered correctly – see XXXX. An interior and exterior appraisal was completed for this property – see XXXX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see XXXX.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115916 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception made for reserves – short 1 month, 6months required. - Due Diligence Vendor-XXXX |  | Waived-Exception made for reserves – short 1 month, 6months required. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.<br> 2. XXXX years with same/current employer.<br> 3. LTV is XXXX%. Maximum allowed per guidelines is 90%. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115916 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX reflects escrows. Rate lock date was entered correctly – see XXXX An interior and exterior appraisal was completed for this property – see XXXX, the appraisal disclosure was provided to the borrower(s)- see XXXX and copy of the appraisal was given to the borrower – see XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX reflects escrows. Rate lock date was entered correctly – see XXXX An interior and exterior appraisal was completed for this property – see XXXX, the appraisal disclosure was provided to the borrower(s)- see XXXX and copy of the appraisal was given to the borrower – see XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115917 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXX and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXXX. An interior and exterior appraisal was completed for this property – see page XXXX and the appraisal disclosure was provided to the borrower(s)- see page XXXX and confirmation the appraisal was delivered to the borrower – see page XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).XXXX) This loan failed the higher-priced mortgage loan test. (XXXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXXX and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXXX. An interior and exterior appraisal was completed for this property – see page XXXX and the appraisal disclosure was provided to the borrower(s)- see page XXXX and confirmation the appraisal was delivered to the borrower – see page XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115918 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX. Rate lock date was entered correctly see XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see XXXX and copy of the appraisal was given to the borrower see XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX. Rate lock date was entered correctly see XXXX An interior and exterior appraisal was completed for this property – see pg XXXX the appraisal disclosure was provided to the borrower(s)- see XXXX and copy of the appraisal was given to the borrower see XXXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115919 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note Final Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-The Note is Missing Note document is missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested Note Final Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115919 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on pageXXXX:<br> 1. Borrower less than 6 months seasoning on title - Borrower's XXXX and XXXX were 50/50 owners of LLC which owns the subject property. Upon XXXX's death, borrower was to be appointed receiver/manager of subject property per XXXX's revocable trust. Now, LLC ownership will instead change to borrower 60% and XXXX's trust 40%. XXXX will be paid XXXX from loan proceeds to buy him out, but need seasoning exception.<br> 2. Borrower does not own his primary residence. He is currently living with his XXXX rent free for the last XXXX years. XXXX's trust owns the property borrower resides in too. Borrower is one of four beneficiaries who will inherit his XXXX's primary residence upon her death. - Due Diligence Vendor-XXXX |  | Waived-Loan does not conform to program guidelines Exception on page#283:<br> 1. Borrower less than 6 months seasoning on title - Borrower's XXXX and XXXX were 50/50 owners of LLC which owns the subject property. Upon XXXX's death, borrower was to be appointed receiver/manager of subject property per XXXX's revocable trust. Now, LLC ownership will instead change to borrower 60% and XXXX's trust 40%. XXXX will be paid $XXXX from loan proceeds to buy him out, but need seasoning exception.<br> 2. Borrower does not own his primary residence. He is currently living with his XXXX rent free for the last 6 years. XXXX's trust owns the property borrower resides in too. Borrower is one of four beneficiaries who will inherit his XXXX's primary residence upon her death. - Due Diligence Vendor-XXXX | XXXX |  | 1. LTV is XXXX%. Maximum allowed per guidelines is 70%.<br> 2. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115919 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent Free LOX provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower currently staying in No primary housing expense, LOX in file is from borrower. Need Rent Free LOX from Owner of the house. Based on comments XXXX passed away need LOE from parties that are on the trust that borrower is still residing there rent free - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XXXX<br>| Resolved-Rent Free LOX provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115919 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Received exception for loan amount - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. See attached exception - Seller-XXXX <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached exception - Seller-XXXX<br>| Waived-Received exception for loan amount - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Borrower has XXXX months of reserves and max needed is 6 months of reserves. <br> 2. Borrower has a Low LTV of XXXX and max can go up to 70% | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115920 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Counter-Asset Depletion Worksheet missing. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet missing for Asset depletion. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. See attached - Seller-XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115921 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of XXXX is less than Guideline FICO of XXXX Exception Approval pXXXX:<br> XXXX minimum credit score for cash out investor cash flow. Customer is paying off all debt which will bring his credit score above the minimum. - Due Diligence Vendor-XXXX |  | Waived-Audited FICO of XXXX is less than Guideline FICO of XXXX Exception Approval p461:<br> XXXX minimum credit score for cash out investor cash flow. Customer is paying off all debt which will bring his credit score above the minimum. - Due Diligence Vendor-XXXX | XXXX |  | 1.Borrower Housing History is XXXX, XXXX months. Housing History required per guidelines is 0X30, 12 months.<br> 2.Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> 3.Low LW, large cash out reserves, owns several other rentals which include present equity, high DSCR over 1.0. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 4350115923 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage not meets loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XXXX <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage Amount is missing in Title report. - Due Diligence Vendor-XXXX |  | Resolved-Title coverage not meets loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115923 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Loan is TIC.HOA Questionnaire not required. - Due Diligence Vendor-XXXX <br>Resolved-HOA Questionnaire is Missing or Partial. Loan is TIC.HOA Questionnaire not required. - Due Diligence Vendor-XXXX <br>Ready for Review-Loan is TIC, this is N/A - Seller-XXXX <br>Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire/TIC Agreement is missing from file. - Due Diligence Vendor-XXXX | Ready for Review-Loan is TIC, this is N/A - Seller-XXXX<br>| Resolved-Loan is TIC.HOA Questionnaire not required. - Due Diligence Vendor-XXXX <br>Resolved-HOA Questionnaire is Missing or Partial. Loan is TIC.HOA Questionnaire not required. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115923 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. please see attached - Seller-XXXX <br>Open-Missing Third Party Fraud Report Fraud Report is missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. please see attached - Seller-XXXX<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115924 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception made for FTHB DSCR purchase – currently renting primary/investor approval provided to proceed with exception - Due Diligence Vendor-XXXX |  | Waived-Exception made for FTHB DSCR purchase – currently renting primary/investor approval provided to proceed with exception - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. DSCR ratio exceeds 1.0 - DSCR is XXXX . Minimum required per guidelines is 1.<br> 2. Additional 3 months reserves - Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 3 months.<br> 3. 0 lates on credit - No derogatory accounts found in credit report. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115925 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Requested DSCR Calculation sheet provided DSCR is within the Guidelines, Discrepancy is due to Interest only terms hence resolved. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Provide DSCR worksheet to verify final ratio. Calculator provided shows different initial IO payment and rate based on Note provided. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested DSCR Calculation sheet provided DSCR is within the Guidelines, Discrepancy is due to Interest only terms hence resolved. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115925 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Exception Approval p354:<br> The subject property is currently listed for sale. The borrower is providing proof the home has been removed from the market and the listing has been canceled as well as a detailed letter of explanation as to why the home was on the market. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval p354:<br> The subject property is currently listed for sale. The borrower is providing proof the home has been removed from the market and the listing has been canceled as well as a detailed letter of explanation as to why the home was on the market. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Qualifying DSCR higher than XXXX, AND at least 0.1x higher than guideline minimum.<br> 2.Housing payment history is XXXX or better <br> 3.Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br> 4.Very low LTV (XXXX%). The borrower owns 3 rental properties and has mortgage history with 0x30x43 on one and 0x30x56 on the other. Good credit. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115926 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received final settlement statement documenting 1031 Exchange funds. Resolved condition. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Provide 1031 Exchange documentation for funds wired to Title in the amount of XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Received final settlement statement documenting 1031 Exchange funds. Resolved condition. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115926 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated Final Title Provided with the Coverage amount that covers loan amount hence resolved. - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide Title Coverage Amount on the Title Report. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested updated Final Title Provided with the Coverage amount that covers loan amount hence resolved. - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115927 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-meets HPML guidelines- resolved - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX reflects escrows. Rate lock date was entered correctly – see XXXX An interior and exterior appraisal was completed for this property – see XXXX, Borrower receipt copy of the appraisal listed on XXXX , borrower received copy of the appraisal disclosure on page on XXXX . The loan meets HPML guidelines. - Due Diligence Vendor-XXXX |  | Resolved-meets HPML guidelines- resolved - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on XXXX and the Final Closing disclosure on XXXX reflects escrows. Rate lock date was entered correctly – see XXXX An interior and exterior appraisal was completed for this property – see XXXX, Borrower receipt copy of the appraisal listed on XXXX , borrower received copy of the appraisal disclosure on page on XXXX . The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115928 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party Voe prior to closing date is missing in file, Provided Updated 3rd party Voe, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing The existence of the business must be independently verified through a disinterested third party within 30 calendar days of closing, missing verification from file. - Due Diligence Vendor-XXXX |  | Resolved-3rd party Voe prior to closing date is missing in file, Provided Updated 3rd party Voe, changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115929 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received clarification - resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. The zero percentage is correct, this is a personal bank statement with 2 month of business bank statement <br> we aren't using business bank statements so that factor doesn't apply. The deposits into the personal account are literally payroll, so he gets XXXX% of the income. <br> - Seller-XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. 1) Lender worksheet for Sno-King Maintenance & Construction business on XXXX is not reflecting legible numbers to verify the exact deposits. Per the final 1003 and the 1008, qualifying income for this business was $XXXX. Provide the income calculation worksheet validating this amount.<br> (2) Per LOE on page #XXXX, the expense ratio for XXXX Inc business is XXXX%. However lender worksheet on XXXX shows expense ratio as XXXX%. Provide updated worksheet with correct expense ratio. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. The zero percentage is correct, this is a personal bank statement with 2 month of business bank statement <br> we aren't using business bank statements so that factor doesn't apply. The deposits into the personal account are literally payroll, so he gets 100% of the income. <br> - Seller-XXXX<br>| Resolved-received clarification - resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115929 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows XXXXared Alerts | Resolved-Requested Alerts Cleared Report Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows XXXXared Alerts Provide updated fraud report with all cleared alerts as the one on file shows XXXXared alerts. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Requested Alerts Cleared Report Provided hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4350115930 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property Tax cert provided. Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XXXX <br> Open-Missing Evidence of Property Tax Subject Property Tax cert missing from file verifying XXXX annual property taxes. - Due Diligence Vendor-XXXX |  | Resolved-Property Tax cert provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115931 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception Approval p377<br> Requesting exception under XXXX for DSCR.<br> Rate Sheet Pricing / Program: Loan amount is less than rate sheet / guideline / program requirements - Due Diligence Vendor-XXXX |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception Approval p377<br> Requesting exception under XXXXk for DSCR.<br> Rate Sheet Pricing / Program: Loan amount is less than rate sheet / guideline / program requirements - Due Diligence Vendor-XXXX | XXXX |  | 1.Borrower has worked in same industry more than 5 years.<br> 2.Monthly reserves is verified AND at least 4 months more than guideline minimum<br> 3.Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> 4.credit score XXXX, he has XXXX months reserves, never missed payment, has other rentals | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115932 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approval XXXX<br> Investment cash-out LTV over XXXX% - requesting to now use 80% LTV<br> Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval p385<br> Investment cash-out LTV over 75% - requesting to now use 80% LTV<br> Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements. - Due Diligence Vendor-XXXX<br>| XXXX |  | 1.Borrower has worked in same job more than 3 years. Borrower worked in same job from XXXX.<br> 2.Borrower has worked in same industry more than 5 years; Borrower worked in same industry from XXXX.<br> 3.No rental income from subject property included in qualifying income. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115934 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived-Exception is for cashout amount exceeding guidelines greater than XXXX - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XXXX <br> Open-GLs have a max cash out of $XXXX and Bwr is receiving $XXXX no exception in file - Due Diligence Vendor-XXXX |  | Waived-Exception is for cashout amount exceeding guidelines greater than XXXX - Due Diligence Vendor-XXXX | XXXX |  | DTI is XXXX%. Maximum allowed per guidelines is 50%.<br> LTV is XXXX%. Maximum allowed per guidelines is 80%.<br> Credit Score is XXXX.. Minimum required per guidelines is 760.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115934 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived- Exception to use XXXX mo mortgage history to verify VOM vs guideline of 12<br> months - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements, Require VOM / clean & clear LOX to verify XXXX months housing history. - Due Diligence Vendor-XXXX |  | Waived- Exception to use 8 mo mortgage history to verify VOM vs guideline of 12<br> months - Due Diligence Vendor-XXXX<br>| XXXX |  | DTI is XXXX%. Maximum allowed per guidelines is 50%.<br> LTV is XXXX%. Maximum allowed per guidelines is 80%.<br> Credit Score is XXXX.. Minimum required per guidelines is 760.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115935 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Wire Proof for Gift is missing, provided the same changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide proof of deposit for Asset 4, Gift amount for $XXXX. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Wire Proof for Gift is missing, provided the same changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115935 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested updated HOI Policy provided with Dwelling Coverage hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Hazard Insurance Policy Partially Provided Provide HOI declaration page listing coverage amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Requested updated HOI Policy provided with Dwelling Coverage hence resolved. - Due Diligence Vendor-XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115936 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXXX_ and the Final Closing disclosure on Pg#'s _XXXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXXX___ An interior and exterior appraisal was completed for this property – see pg __XXXX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#'s ___XXXX__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXXX_ and the Final Closing disclosure on Pg#'s _XXXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __XXXX___ An interior and exterior appraisal was completed for this property – see pg __XXXX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXXX__ , and copy of the appraisal was given to the borrower – see Pg#'s ___XXXX__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350115937 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Omitting the XXXXK account does not materially affect the loan from qualifying.XXXX months verified reserves per audit. - Due Diligence Vendor-XXXX <br> Counter- Provide 1 additional statement for Asset 4 from XXXX Plan ID #XXXX to cover 2 months. Amount used of this asset is $XXXX. Received XXXX statement. Countered - Due Diligence Vendor-XXXX <br> Ready for Review-DISAGREE - NO ASSET #XXXX USED - Seller-XXXX <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide 1 additional statement for Asset 4 #XXXX to cover 2 months. Received XXXX statement. - Due Diligence Vendor-XXXX | Ready for Review-DISAGREE - NO ASSET #XXXX USED - Seller-XXXX<br> ' | Resolved-Omitting the XXXX account does not materially affect the loan from qualifying. XXXX months verified reserves per audit. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115937 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report. Only one page was received, the Loan Participant Analysis page. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Fraud report is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115937 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income unknown | Resolved-Residual income worksheet is missing in file as DTI is >XXXX%, Provided Residual Income Worksheet, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Provide Residual income calculation. DTI is above XXXX%. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Residual income worksheet is missing in file as DTI is >43%, Provided Residual Income Worksheet, Changes made in system, Finding Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115937 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Exception Approval pXXXX for "Master insurance has roofs over XXXX years of age included in actual cash valuation rather than replacement cost. It has been confirmed with the HOA that the there is still 2 years life remaining for 2 roofs, 7 years life remaining for 2 roofs, and 19 years for 1 roof. The HOA demonstrates financial stability by allocating 10% in reserves annually and currently hold a reserve balance of $XXXX. In the event of a total loss claim on the roofs the HOA could absorb this cost without financial burden.", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX |  | Waived-Exception Approval pXXXX for "Master insurance has roofs over XXXX years of age included in actual cash valuation rather than replacement cost. It has been confirmed with the HOA that the there is still 2 years life remaining for 2 roofs, XXXX life remaining for 2 roofs, and XXXX for 1 roof. The HOA demonstrates financial stability by allocating 10% in reserves annually and currently hold a reserve balance of $XXXX. In the event of a total loss claim on the roofs the HOA could absorb this cost without financial burden.", Recommends waiving as we have sufficient comp factors. - Due Diligence Vendor-XXXX | XXXX |  | Originator Comp Factors:<br> 1. Credit Score is XXXX. Minimum required per guidelines is 760.<br> 2. Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 6 months.<br> 3. Borrower Housing History is XXXX months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115938 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-The Final 1003 is Incomplete Section 5 lists no ownership in property when the borrower has owned their primary residence - Due Diligence Vendor-XXXX |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 4350115940 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1008 received. System updated. DTI now matches the audit's DTI. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. We agree. Please see attached updated 1008. - Buyer-XXXX <br> Open-Audited DTI is XXXX%. Main variance is due to the qualifying P&I payment that was used. Per guidelines: "•The greater of the note rate or the fully indexed rate (margin + index) amortized over XXXX years." Note rate is XXXX% and the fully index rate is XXXX% (XXXX% Index + XXXX% margin). The greater of these is XXXX%. Am amortized payment of $XXXX loan, XXXX% interest, and 360 month term is $XXXX P&I. The 1008 discloses $XXXX. Unable to determine the source of the lender's $XXXX qualifying P&I. - Due Diligence Vendor-XXXX |  | Resolved-Corrected 1008 received. System updated. DTI now matches the audit's DTI. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115941 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Received updated HOI, finding resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Insufficient rent loss coverage listed on HOI policy - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Received updated HOI, finding resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115941 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for less than 12 month housing history - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 housing history - Due Diligence Vendor-XXXX |  | Waived-Exception made for less than 12 month housing history - Due Diligence Vendor-XXXX<br>| XXXX |  | DSCR is XXXX. Minimum required per guidelines is 1.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 12 months.<br> No Credit lates | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350115941 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Final title policy provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-Title Document is missing 1. Missing vesting in the LLC<br> 2. Missing sufficient coverage on title - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX<br>| Resolved-Final title policy provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115941 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-RCE doc provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Hazard Insurance Policy Partially Provided 80% of RCV ≤ Loan Amount, then Coverage Amount Hazard Insurance ≥ Loan Amount. Which is considered as per doc but not meet guidelines. - Due Diligence Vendor-XXXX |  | Resolved-RCE doc provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115942 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Guaranty Document available in file on page 224 however the principal amount does not match note amount - Due Diligence Vendor-XXXX |  | Resolved-Validation Resolved' - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115942 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Borrower previous address staying in rent of $XXXX, Required Vor document to verify housing history which is missin in file - Due Diligence Vendor-XXXX |  | Waived-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XXXX<br>| XXXX |  | Credit Score is XXXX. Minimum required per guidelines is 700.<br> DSCR is XXXX. Minimum required per guidelines is 1. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350115944 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Addendum to Contract uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Contract updated - Seller-XXXX <br> Open-• The provided Sales Agreement lists the purchase price as $XXXX. The final documents' sale price of $XXXX not reflecting in the provided Sales Agreement. The file is missing any addendums or counter-offers. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Contract updated - Seller-XXXX<br>| Resolved-Addendum to Contract uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115944 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX <br>Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing from the file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX<br>| Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115944 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows XXXXared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br> Open-Fraud Report Shows XXXXared Alerts • The XXXX document is missing. The Fraud Report in file shows High, Medium, and Low alerts. But with the missing document, unable to verify if any/all alerts were reviewed & cleared. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115944 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-A new PCCD received as well as a refund check to cure the tolerance. System updated & Mavent passes. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Cure check $XXXX, LOX, PCCD & Tracking - Seller-XXXX <br> Open-• Credit Report Fee increased from $XXXX on the Initial CD dated XXXX to $XXXX ($XXXX at close + $XXXX POC) on the Final CD dated XXXX. There is no valid Change of Circumstance (COC) on the file for this increase. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cure check $XXXX, LOX, PCCD & Tracking - Seller-XXXX | Resolved-A new PCCD received as well as a refund check to cure the tolerance. System updated & Mavent passes. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115944 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Legible Bank Statement calculator received. - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. • Due to poor imaging, the Lender's Income Calculation Worksheet was not entirely legible. Please resubmit a legible copy. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Income Calculation Worksheet - Seller-XXXX<br>| Resolved-Legible Bank Statement calculator received. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115945 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows XXXXared Alerts | Resolved-Fraud Report with cleared alerts provided. Resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX <br>Open-Fraud Report Shows XXXXared Alerts Provide the updated fraud report, Fraud Report Shows XXXXared Alerts. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XXXX<br>| Resolved-Fraud Report with cleared alerts provided. Resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115945 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-XXXX <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide Title Coverage Amount of $XXXX is Greater than or equal to Loan Amount. Title policy on page#592 coverage amount showing as $XXXX it is less than the Loan amount. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final Title Policy - Seller-XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XXXX <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115945 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg#'s34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31,30. and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXXX and the Final Closing disclosure on Pg#'s XXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg#'s34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31,30. and confirmation the appraisal was delivered to the borrower – see Pg#'XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115946 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Exception made for VOE greater than 30 days from closing - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is not with in 30 days of closing date - Due Diligence Vendor-XXXX |  | Waived-Exception made for VOE greater than 30 days from closing - Due Diligence Vendor-XXXX<br>| XXXX |  | Residual Income is $XXXX. Minimum Residual Income required per guidelines is $3500. <br> LTV is 80%. Maximum allowed per guidelines is 85%. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | 4350115947 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #242 reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXXX and the Final Closing disclosure on Pg #242 reflects escrows. Rate lock date was entered correctly – see Pg #XXXX An interior and exterior appraisal was completed for this property – see Pg #XXXX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX and copy of the appraisal was given to the borrower – see Pg #XXXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115947 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien XXXX)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXXHPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #492 and the Final Closing disclosure on Pg #242 reflects escrows. Rate lock date was entered correctly – see Pg #538 An interior and exterior appraisal was completed for this property – see Pg #34-43, the appraisal disclosure was provided to the borrower(s)- see Pg #17, 18 and copy of the appraisal was given to the borrower – see Pg #214 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXXHPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #492 and the Final Closing disclosure on Pg #242 reflects escrows. Rate lock date was entered correctly – see Pg #538 An interior and exterior appraisal was completed for this property – see Pg #34-43, the appraisal disclosure was provided to the borrower(s)- see Pg #17, 18 and copy of the appraisal was given to the borrower – see Pg #214 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115949 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Other Income in 1003, and we There is no Proof for Other Income, provided Updated 1003 and 1008 with No Other income in documents, Changes made in system, Finding resolved - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. Income removed - Seller-XXXX <br>Open-Proof of other employment is missing in file. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Income removed - Seller-XXXX<br>| Resolved-Other Income in 1003, and we There is no Proof for Other Income, provided Updated 1003 and 1008 with No Other income in documents, Changes made in system, Finding resolved - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115949 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd Party VOE prior to closing is missing in file, provided VOE, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Ready for Review-Document Uploaded. - Buyer-XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is not with in 30 days of closing date. - Due Diligence Vendor-XXXX |  | Resolved-3rd Party VOE prior to closing is missing in file, provided VOE, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115949 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XXXX <br>Resolved-The loan's (9.353%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#453 and the Final Closing disclosure on Pg#230. Rate lock date was entered correctly see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 42-52 the appraisal disclosure was provided to the borrower(s)- see Pg#29, 520and copy of the appraisal was given to the borrower see Pg 29, 520for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115951 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present with both people listed in the Submitted Data. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XXXX <br> Open-Third Party Fraud Report Partially Provided • Fraud Report missing for Borrower 2 (XXXX). There are two fraud reports in file: One for Borrower 1 (XXXX) scored on XXXX, and the other for Borrower 1 (XXXX) again, scored on XXXX. Per a COC dated XXXX Borrower #2 wasn't added until then. Fraud report is missing for Borrower 2. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XXXX<br>| Resolved-Third Party Fraud Report is fully present with both people listed in the Submitted Data. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115951 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Evidence of Rent payments made by both borrowers was provided. Housing History Meets Guideline Requirements. - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-Housing History Does Not Meet Guideline Requirements • Borrower 1 currently rents "XXXX" for $XXXX per month. No VOR located in file. <br>• Borrower 2 currently rents "XXXX" for $XXXX per month. No VOR located in file. - Due Diligence Vendor-XXXX |  | Resolved-Evidence of Rent payments made by both borrowers was provided. Housing History Meets Guideline Requirements. - Due Diligence Vendor-XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115951 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | Resolved-. - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #631 and the Final Closing disclosure on Pg #348 reflects escrows. Rate lock date was entered correctly – see Pg #838 An interior and exterior appraisal was completed for this property – see Pg #145-152, the appraisal disclosure was provided to the borrower(s)- see Pg #116 and copy of the appraisal was given to the borrower – see Pg #120 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-. - Due Diligence Vendor-XXXX <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #631 and the Final Closing disclosure on Pg #348 reflects escrows. Rate lock date was entered correctly – see Pg #838 An interior and exterior appraisal was completed for this property – see Pg #145-152, the appraisal disclosure was provided to the borrower(s)- see Pg #116 and copy of the appraisal was given to the borrower – see Pg #120 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115951 | XXXX |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien XXXX)(Conforming) | Resolved-. - Due Diligence Vendor-XXXX <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the XXXX HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(XXXXFin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #631 and the Final Closing disclosure on Pg #348 reflects escrows. Rate lock date was entered correctly – see Pg #838 An interior and exterior appraisal was completed for this property – see Pg #145-152, the appraisal disclosure was provided to the borrower(s)- see Pg #116 and copy of the appraisal was given to the borrower – see Pg #120 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX <br> Open- - Due Diligence Vendor-XXXX |  | Resolved-. - Due Diligence Vendor-XXXX <br> Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.549%) equals or exceeds the XXXX HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.79%).(XXXXFin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #631 and the Final Closing disclosure on Pg #348 reflects escrows. Rate lock date was entered correctly – see Pg #838 An interior and exterior appraisal was completed for this property – see Pg #145-152, the appraisal disclosure was provided to the borrower(s)- see Pg #116 and copy of the appraisal was given to the borrower – see Pg #120 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XXXX | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 4350115952 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-"Exception to use asset depletion income amortized over 60 months vs guideline (XXXX months)." - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-• Difference in DTI is due to a calculation difference in the Asset Depletion income. Lender divided the assets by 60 months; audit divided assets by 120 months, as required in guidelines (Program Guidelines V17-02.24.2025-JM, page #6). Asset Depletion income, as calculated by the audit: Account Assets of XXXX Total Assets - XXXX Cash to Close, per the Final CD - $XXXX Balance due monthly, per the XXXX credit report = $XXXX usable assets / 120 months = $XXXX Asset Depletion income. - Due Diligence Vendor-XXXX |  | Waived-"Exception to use asset depletion income amortized over 60 months vs guideline (120 months)." - Due Diligence Vendor-XXXX<br>| XXXX |  | 1. Low LTV of XXXX%.<br> 2. 12+ months reserves (XXXX months vs 12.00 required).<br> 3. Housing History XXXX+<br> 4. FICO score of XXXX is above the guideline of 760 by 37 points. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115952 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Provided: <br> "Exception to use asset depletion income amortized over XXXX months vs guideline (120 months)." - Due Diligence Vendor-XXXX <br> Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-XXXX <br> Ready for Review-Document Uploaded. Please see attached - Buyer-XXXX <br> Open-Audited DTI of XXXX% exceeds Guideline DTI of 50% • Difference in DTI is due to a calculation difference in the Asset Depletion income. Lender divided the assets by 60 months; audit divided assets by 120 months, as required in guidelines (Program Guidelines XXXX, page #6). Asset Depletion income, as calculated by the audit: Account Assets of $XXXX Total Assets - $XXXX Cash to Close, per the Final CD - $XXXX Balance due monthly, per the XXXX credit report = $XXXX usable assets / 120 months = $XXXX Asset Depletion income. - Due Diligence Vendor-XXXX |  | Waived-Exception Provided: <br> "Exception to use asset depletion income amortized over 60 months vs guideline (120 months)." - Due Diligence Vendor-XXXX <br> Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-XXXX | XXXX |  | 1. Low LTV of XXXX%.<br> 2. 12+ months reserves (XXXX months vs 12.00 required).<br> 3. Housing History XXXX+<br> 4. FICO score of XXXX is above the guideline of 760 by 37 points. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 4350115953 | XXXX |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Exception is on Page #456:<br> "Exception to allow cash out of $XXXX vs guideline of $XXXX" - Due Diligence Vendor-XXXX |  | Waived-Cash Out Does Not Meet Guideline Requirements Exception is on Page #456:<br> "Exception to allow cash out of $XXXX vs guideline of $XXXXk" - Due Diligence Vendor-XXXX | XXXX |  | (1) Low DTI: DTI is XXXX%. Maximum allowed per guidelines is 50%.<br> (2) 12+ months reserves: Borrower has XXX months Reserves. Minimum required per guidelines is 8 months.<br> (3) High Discretionary Income: Borrower Total Qualifying Income is $XXXX.<br> (4) Housing history 0 X 30 for 12+ months: Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |

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## Exhibit 99.29

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.29**

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| **Deal ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 4350115889 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115890 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115891 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | High Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115892 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | XXXX | XXXX |
| 4350115893 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115894 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115895 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115896 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115897 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115898 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | XXXX | XXXX |
| 4350115899 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115900 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115901 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115902 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115903 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115904 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115905 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115906 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115907 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115908 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | XXXX | XXXX |
| 4350115909 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115910 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115911 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115912 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115913 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115914 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | XXXX | XXXX |
| 4350115915 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115916 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115917 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115918 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115919 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115920 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115921 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115922 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115923 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115924 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115925 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115926 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115927 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115928 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115929 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115930 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115931 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115932 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115933 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115934 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115935 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115936 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115937 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115938 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115939 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115940 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115941 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115942 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115943 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115944 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115945 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115946 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115947 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115948 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115949 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115950 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115951 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115952 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115953 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |
| 4350115954 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |

---

## Exhibit 99.30

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350115898 | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 4350115945 | XXXX | XXXX | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Permanent Resident Alien | B1 Verified Citizenship Designation updated Correctly. |
| XXXX | 4350115930 | XXXX | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Borrower is FTHB |
| XXXX | 4350115892 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | True data Captured incorrectly.Updated Asset depletion income as Other. |
| XXXX | 4350115893 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Borrower has No Other Income. |
| XXXX | 4350115898 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | True data shows incorrect data. Updated Asset Depletion income under Other Income. |
| XXXX | 4350115899 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Borrower 1 Other Income updated but not reflected in true data. |
| XXXX | 4350115911 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Updated as per Final 1003.B1 has SSI income.True Data captured incorrectly. |
| XXXX | 4350115920 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Borrower 1 Other Income updated but not reflecting in true data. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Borrower 1 Other Income Amount 2 | the1003Page | XXXX | XXXX | Lender provided an updated/corrected 1003 & 1008 to change income calculations. |
| XXXX | 4350115911 | XXXX | XXXX | XXXX | Borrower 1 Other Income Amount 2 | the1003Page | XXXX | XXXX | Updated as per Final 1003.B1 has Retirement income.True Data captured incorrectly. |
| XXXX | 4350115910 | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | B1 self employment flag updated as per final 1003 |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | Lender provided an updated/corrected 1003 & 1008 to change income calculations. |
| XXXX | 4350115899 | XXXX | XXXX | XXXX | Borrower 2 Employer 1 Yrs on Job | the1003Page | XXXX | XXXX | Borrower 2 Employer 1 Yrs on Job verified from final 1003. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Borrower 2 Other Income | the1003Page | XXXX | XXXX | Updated as per Final 1003. |
| XXXX | 4350115911 | XXXX | XXXX | XXXX | Borrower 2 Other Income | the1003Page | XXXX | XXXX | Updated as per Final 1003.B2 has SSI income.True Data captured incorrectly. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Borrower 2 Other Income Amount 2 | the1003Page | XXXX | XXXX | Updated as per Final 1003. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Updated as per Final 1003. |
| XXXX | 4350115898 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Updated as per Final 1003. |
| XXXX | 4350115899 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Borrower 2 Sex - XXXX verified from final 1003. |
| XXXX | 4350115907 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Updated as per Final 1003. |
| XXXX | 4350115911 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Updated as per Final 1003. |
| XXXX | 4350115912 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Borrower 2 Sex is XXXX confirmed from ID. |
| XXXX | 4350115922 | XXXX | XXXX | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Borrower 2 - XXXX updated as per final 1003. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | Lender provided an updated/corrected 1003 & 1008 to change income calculations. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated as per Final CD. |
| XXXX | 4350115895 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close updated as per Final CD. |
| XXXX | 4350115897 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Per final CD. |
| XXXX | 4350115898 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated as per Final CD. |
| XXXX | 4350115899 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close verified from final CD. |
| XXXX | 4350115901 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close is $XXXX |
| XXXX | 4350115902 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close is $XXXX |
| XXXX | 4350115904 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close is $XXXX |
| XXXX | 4350115907 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated as per Final CD-Cash to Close. |
| XXXX | 4350115913 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close verified from final CD. |
| XXXX | 4350115915 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close Verified from final CD. |
| XXXX | 4350115922 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close Verified from final CD. |
| XXXX | 4350115936 | XXXX | XXXX | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close is to Borrower amount of $XXXX |
| XXXX | 4350115940 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX |  |
| XXXX | 4350115951 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Borrower 1 qualified with Asset Depletion. Borrower 2 qualified with Asset Depletion & Schedule C Self-employment. |
| XXXX | 4350115952 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Loan Program updated as per the Qualified Income Asset Depletion |
| XXXX | 4350115890 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350115897 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Confirmed. |
| XXXX | 4350115903 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR. |
| XXXX | 4350115904 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350115907 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR. |
| XXXX | 4350115908 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Confirmed. |
| XXXX | 4350115913 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type Confirmed DSCR. |
| XXXX | 4350115919 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR. |
| XXXX | 4350115921 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type DSCR Confirmed. |
| XXXX | 4350115922 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Confirmed. |
| XXXX | 4350115925 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Confirmed. |
| XXXX | 4350115931 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350115935 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350115942 | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | LoanType Dscr Confirmed per approval certificate |
| XXXX | 4350115903 | XXXX | XXXX | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXXX | XXXX | True Data Shows Inclusive of insurance company for Unit A required the borrower to get just the liability<br> coverage for XXXX. Therefore, there are two invoices for XXXX and One for XXXX. |
| XXXX | 4350115895 | XXXX | XXXX | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Monthly Taxes are combination of city + county taxes. |
| XXXX | 4350115919 | XXXX | XXXX | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | True Data shows Inclusive of Both City & County Taxes. |
| XXXX | 4350115932 | XXXX | XXXX | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | City Property Tax $XXXX & Village Property Tax $XXXX in file. |
| XXXX | 4350115936 | XXXX | XXXX | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Monthly Property Tax Amount is $XXXX |
| XXXX | 4350115889 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note Date is XXXX |
| XXXX | 4350115890 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note Date is XXXX |
| XXXX | 4350115928 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note Date XXXX Confirmed |
| XXXX | 4350115929 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | True data is correct, verified from Note document on page # 425. |
| XXXX | 4350115945 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note date verified from Note document |
| XXXX | 4350115889 | XXXX | XXXX | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originator Doc Type is DSCR. |
| XXXX | 4350115890 | XXXX | XXXX | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originator Doc Type is DSCR. |
| XXXX | 4350115906 | XXXX | XXXX | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originator Doc Type Dscr Confirmed |
| XXXX | 4350115924 | XXXX | XXXX | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originatoor Doc type dscr confirmed |
| XXXX | 4350115939 | XXXX | XXXX | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Confirmed Originator Doc type is DSCR. |
| XXXX | 4350115941 | XXXX | XXXX | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originator doc type updated as per DSCR. |
| XXXX | 4350115889 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Originator QM Status is ATR/QM: Exempt. |
| XXXX | 4350115890 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Originator QM Status is ATR/QM: Exempt. |
| XXXX | 4350115900 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Originator QM Status is ATR/QM: Exempt. |
| XXXX | 4350115905 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (SH) | Originator QM Status is Non-QM: Lender documented all ATR UW factors.<br>|
| XXXX | 4350115916 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| XXXX | 4350115918 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | OriginatorQM Status Non-qm Confirmed |
| XXXX | 4350115923 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Originator QM Status is ATR/QM: Exempt. |
| XXXX | 4350115927 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| XXXX | 4350115928 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | OriginatorQM Status Non-QM Lender Confirmed |
| XXXX | 4350115948 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (SH) | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| XXXX | 4350115949 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status non-qm Lender confirmed |
| XXXX | 4350115953 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Occupancy is Investment Originator QM Status needs to be ATR/QM: Exempt |
| XXXX | 4350115906 | XXXX | XXXX | XXXX | Prepayment Penalty Flag | notePage | Y | Yes |  |
| XXXX | 4350115891 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value is $XXXX but used $$ XXXX<br> for qualifying as previous sale within the 6 Months. |
| XXXX | 4350115905 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value is $XXXX |
| XXXX | 4350115930 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value is $XXXX |
| XXXX | 4350115940 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value is $XXXX. Tape Value is the Sales Price. |
| XXXX | 4350115948 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value is $XXXX. Tape Data is the Sales Price. |
| XXXX | 4350115952 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value of $XXXX verified & updated as per the Appraisal |
| XXXX | 4350115954 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Primary Appraised Property Value of $XXXX verified & updated as per the Appraisal |
| XXXX | 4350115920 | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Property Address verified from Note & DOT. |
| XXXX | 4350115926 | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | 4350115948 | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | True Data Property Address formatted as shown on the Note & Mortgage. |
| XXXX | 4350115951 | XXXX | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | True Data property address formatted exactly as shown on the Note and Mortgage. |
| XXXX | 4350115912 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is 2-4 unit confirmed from appraisal report. |
| XXXX | 4350115914 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal page 33 and PUD rider is on page 471 |
| XXXX | 4350115925 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type verified from appraisal report. |
| XXXX | 4350115932 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type Two to Four Unit verified from appraisal report. |
| XXXX | 4350115889 | XXXX | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Property Value is XXXX |
| XXXX | 4350115890 | XXXX | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Property Value is XXXX |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Property Zip Code | notePage | XXXX | XXXX | Zip Code Confirmed. Tape Data is missing the leading zero. |
| XXXX | 4350115908 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 30.29 | 31 | Loan Amount $XXXX/ Appraised Value $XXXX = 30.29% is rounded up to 31% |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 39.78 | 39.01 | Lender provided an updated/corrected 1003 & 1008 to change income calculations and the corresponding DTI. The True Data is correct and is the most-recent lender calculation |
| XXXX | 4350115912 | XXXX | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | 324.36 | DTI & HTI not applicable on DSCR loans. |
| XXXX | 4350115949 | XXXX | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 15.03 | 14.23 | HTI Matches with Provided Updated 1008 in (Findings), Changes made |
| XXXX | 4350115908 | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 30.29 | 31 | Loan Amount $XXXX/ Appraised Value $XXXX = 30.29% is rounded up to 31% |
| XXXX | 4350115893 | XXXX | XXXX | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | This is IO Loan, Monthly Payment will be in the amount of U.S. $XXXX for the first 120 months of this Note, and thereafter will be in the amount of U.S. $XXXX |
| XXXX | 4350115909 | XXXX | XXXX | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | This is IO Loan, The monthly Payment will be in the amount of U.S. $XXXX for the first 120 months of this Note, and thereafter will be in the amount of U.S. $XXXX |
| XXXX | 4350115925 | XXXX | XXXX | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | ARM Interest only Note hence consider 1 option. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.18 | 48.22 | Lender provided an updated/corrected 1003 & 1008 to change income calculations and the corresponding DTI. The True Data is correct and is the most-recent lender calculation. |
| XXXX | 4350115903 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1896.74 | Subject loan is DSCR. |
| XXXX | 4350115912 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 788.56 | DTI & HTI not applicable on DSCR loans. |
| XXXX | 4350115914 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 3.17 | 3.15 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 3.17% matching with 1008 whereas Tape data showing 3.15% DTI Variance is 0.02 within tolerance due to the difference in insurance premium our calculated insurance premium as per insurance document page 331 is $XXXX whereas as per first payment letter page 470 and Final CD page 149 insurance premium reflecting $XXXX |
| XXXX | 4350115918 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.57 | 25.19 | DTI 25.57 Confirmed as all liabilities entered from Gap Credit report |
| XXXX | 4350115940 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.91 | 47.26 | This is ARM Interest only Loan, DTI getting variance due to the P&I payment used to qualify. |
| XXXX | 4350115944 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.11 | 35.95 | DTI difference is 0.16% which is within the variance limit and does not exceed the guideline limit of 50% |
| XXXX | 4350115945 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.77 | 43.18 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 42.77% but Originator DTI is 43.18% Variance is 0.41 % within tolerance. |
| XXXX | 4350115949 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.56 | 20.41 | DTI Matches with Provided Updated 1008 in (Findings), Changes made |
| XXXX | 4350115950 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.52 | 35.27 | Due to income variance getting discrepancy and DTI with in tolerance limit. |
| XXXX | 4350115951 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.49 | 49.66 | Audit DTI is 47.4874%, rounded to 47.49%. DIfference is in the qualifying P&I ARM payment. Lender used a rate of 8.802% and P&I of XXXX. Audit used a rate of 8.750% (rounded to the nearest 0.125%) and a P&I of $XXXX. DTI per the 1008 is 47.62%. Source of this tape data is unknown. |
| XXXX | 4350115952 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.97 | 48.53 | Difference in DTI is due to a calculation difference in the Asset Depletion income. Lender had different figures for the Cash to Close to be deducted as well as an XXXX |
| XXXX | 4350115910 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Qualifying Total Housing expenses PITIA is matching Tape data not included HOA amount. |
| XXXX | 4350115914 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount. |
| XXXX | 4350115929 | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data shows only P&I amount whereas true data shows PITIA. |
| XXXX | 4350115891 | XXXX | XXXX | XXXX | Refinance Type | the1003Page | Cash Out - Other | Limited Cash Out - <2% of Loan Amount or $XXXX | Refinance Type is cash out other as $XXXX is going to borrower. |
| XXXX | 4350115903 | XXXX | XXXX | XXXX | Refinance Type | the1003Page | Cash Out - Other | Cash Out - Debt Consolidation | Confirmed cash out per final CD |
| XXXX | 4350115931 | XXXX | XXXX | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <2% of Loan Amount or $XXXX | Refinance Type, No cash out. Less than $XXXX |
| XXXX | 4350115893 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Verified Doc Type is 1YR Full Doc. |
| XXXX | 4350115894 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | Full Doc | Subject loan Qualifying with Asset Depletion. |
| XXXX | 4350115895 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (No DTI) | Full Doc | Borrower is qualifying with Asset Depleting no DTI. |
| XXXX | 4350115897 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR |
| XXXX | 4350115898 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | B1 income qualifying with Wage. |
| XXXX | 4350115900 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Income Verified from 12 Month Bank Statement. |
| XXXX | 4350115904 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR. |
| XXXX | 4350115907 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Subject loan is DSCR. |
| XXXX | 4350115908 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR Confirmed. |
| XXXX | 4350115909 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type is 12 Month Bank Statement. |
| XXXX | 4350115910 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (No DTI) | ALT DOC | Doctype updated per loan program & documentation. |
| XXXX | 4350115913 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Verified Doc Type is DSCR Confirmed. |
| XXXX | 4350115914 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| XXXX | 4350115917 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements were used for qualification. |
| XXXX | 4350115919 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Subject loan is DSCR. |
| XXXX | 4350115920 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Alternative | Verified from 12 Month Bank Statement. |
| XXXX | 4350115921 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Verified Doc Type is DSCR Confirmed. |
| XXXX | 4350115922 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Documentation | Verified Doc Type is DSCR Confirmed. |
| XXXX | 4350115925 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR Confirmed. |
| XXXX | 4350115932 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type from 12 Month Bank Statement. |
| XXXX | 4350115935 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Verified Doc Type is DSCR. |
| XXXX | 4350115936 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type is 12 Month Bank Statement. |
| XXXX | 4350115937 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | 12 Month Bank Statement is a part of Alt Doc. |
| XXXX | 4350115944 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12 months Bank Statements = Alt Doc |
| XXXX | 4350115945 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| XXXX | 4350115951 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | FullDocumentation | Borrower 1 qualified with Asset Depletion. Borrower 2 qualified with Asset Depletion & Schedule C Self-employment. |
| XXXX | 4350115952 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | FullDocumentation | Verified Doc Type updated as per the Qualified Income Asset Depletion |

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